I am in the same boat as you. I declared bankruptcy in 9/98. I will tell you that your chances of getting a mortgage are going to be slim to none. I have read recently that the FHA has issued directives that their organization should not consider bankruptcy a disqualifier if it happened more than two years ago. I haven't tested the waters recently but last November I was turned down by 6 sub-prime lenders because of the BK. Our house is in my wifes' name and we had to use her credit to get the house. We recently(5/2001)re-fi'd and the lender would not use my credit because of the BK. So, my experience is that even though the FHA has this directive, most lenders won't touch me.I did get a car loan and it was again with a sub-prime lender. I have paid aggressively and we are ahead of payment schedule on all of our loans, but that did not make any difference. Ny BK is an automatic disqualification. I hope you have better luck but, please be aware it won't be easy.
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