How Do I Get a Home Loan After Bankruptcy?

home loan

I live in the western outer edge of Chicago. I am hoping to place down as much as possible (upwards of 20K) on a townhouse or condo. My bankruptcy was discharged in July of 2005. I want to buy next summer (June/July). I have no credit problems since, but I share a 400 per month student loan with my ex and my current boyfriend is making payments on a car that is in my name. I will have no other debt, besides student loans (the ancient $400 one and a new $100 one) and the $300 car payment. This looks like a lot of debt, but I’m only paying $300 of it. What should I do to qualify for a decent home? Should I make my boyfriend pay off the car quicker? The stupid student loan place will not separate our consolidated loan either. So it looks like I have $800 in debt that I pay when I only pay $300! I will be starting a second career as a paralegal, so I’ll only have about 6 mos. in a new job. Are there any lenders or agents on this who have any thoughts?

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