If there has been a recent bankruptcy, then you must be looking for finance at home. With a bad credit card, you cannot get a loan or even if you do get one, then there will be income verification as well as a number of other problems. It has often been seen that after a period of bankruptcy, most of people wish to consider the charge for a period of 2 years. After these 2 years, they no longer wait. You may be able to get 100% financing from these places if the necessity is great.

But if you have the wish to look out for such a mortgage loan after bankruptcy where the time is much more, that is to say, that the time limit is more than 2 years, you may require to make down payment. An amount of 3-5% may be used as down payment.

Some of the ideas are the following:

• Just after bankruptcy, ask for money or gifts from your relatives.
• You may look for down payment assistance programs like Neighborhood Gold or the Nehemiah program.
• You could go for a 401K or other investment of the same kind; and in this way, you can come out of your bankrupt situation.

Try these offers to see if you can access a mortgage of this kind.