How do you get a mortgage with a bankruptcy?

wait 3-5 years for it to pass off your credit score and start over

Getting a mortgage after filing bankruptcy may seem impossible. But in reality, it is easier than you can imagine. These mortgages are usually given by companies called ‘alternative lending’ services. But in general, they charge exorbitant interest rates and have very strict eligibility criteria. Here’s an article which can answer your question: http://www.articlesbase.com/mortgage-articles/how-... You should also consult debt consolidation companies such as debtburst before you opt for this. They can help you decide whether it’s the right move.

you won't until at least probably 4 yrs after BK is discharged, and then you will still need a large down payment and more cash for closing costs. If your credit score is not up to at least 640, you won't even qualify for an FHA loan - they recently raised their min score requirements

You can't unless it's been at least a few years and you've re-established credit and have an exceptional income and down payment.

The truth is you can't.