Looking for a HELOC with a 3 year old bankruptcy
I don't have any programs, but I would check with a local credit union called Credit One to see if they can assist you. They've helped a few of my clients.

will be getting inheritance of 40k, should I pay down my debt, or use this for a down payment?
We have a full consultation process that we do with all of our clients, as we are all Certified Mortgage Planners which is a rarity in our industry! We have a number of tools and financial modules at our disposal that will allow you to make the best educated decision based upon your unique situation. I...