Finding a mortgage company

Realistically, with a bankruptcy LESS than two years old, you will have a very difficult time finding any sort of traditional financing. Have a local licensed loan officer review your situation, but I would advise working on credit improvement, and calling a lender once the bankruptcy is two years old.

Yes, you will find many lending institutes more than willing BUT you are at their mercy on interest rates, and they know it.

GOOGLE PRIVATE LENDERS IN YOUR AREA RATES ARE RUNNING 7-10% DEPENDING OUR YOUR SITUATION

I have access to private money and can get you in a home. It would require a 30% downpayment, 70% loan to value. Traditional financing would require you to wait 2 years from the bk discharge date, not the file date. Reply to me and I can walk you through the private money lending process.