Hello I am a licensed attorney here to help you with your question, please review my response and do not hesitate to ask for clarification
If you have steady income through a verifiable job, and have 20% down, you should be able to qualify, however the bankruptcy will still hurt your credit, and in this market, the best you can do is check your credit score to see where you stand
Credit score is around 653. Income is a state pension and disability, $4300 @ month. I do have down payment in savings.
Your score is good but below what they are asking for in this market, I would try an FHA loan, and other banks,
If you have 10-20% down, you should be able to get a lender
I applied at Illini bank & they turned me down. Do I try several banks?
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).