Could I get approved for RHS Loan

You are going to have to get your scores higher in order to qualify. Looking at the track record you laid out, it is likely that some minor tweaking on your credit will help. But you have to change your habits. Following a BK, your scores are more easily hurt by minor delinquencies. You need to make a strong effort to not let anything go delinquent. To see what can be done to tweak your credit and determine if and when you will qualify, you need to work with a local Mortgage Professional. Contact a local Mortgage Banker/Broker, rather than one of the big banks or big national mortgage factories. Unlike a bank employee, who is most likely just an order taker, a Mortgage Broker/Banker is Trained, Tested and Licensed in all aspects of Mortgage Origination. We have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, we are trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com 888-889-9950

I would like to discuss in more detail to ensure that I have a complete picture of your scenario and the loan programs that you are looking to qualify for. Let me know if you are available to discuss?

If your husband wasn't involved with the BK, than he'll have to wait until he's 12 months from the last late payment which sounds like January 2013. If he was, you'll have an uphill battle until the BK comes off your credit report (10yrs.) due to late payments post BK. Hope that helps.

No one here can consult you with the limited information you provided.. You need to get with a professional, let them look at your complete profile, and give you a plan of attack to restore your credit and get you in a position to be able to finance a home. Start by contacting a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

You really need to speak with a mortgage broker not a big bank and go over your whole situation with them so they can see if there is any way they can help you now. All the best!