A bankruptcy is a very complicated part of everyone life, if you get into it - but this does not mean that it's the end or you could not get any loans after it, it's very possible to get a mortgage loan after bankruptcy, altough your options could be limited, but not impossible. The first thing you have to do is to consider if you could get this type of loan and if you have money to pay it back - if you know that you could not pay the money, then you always could think of an alternative. Wait a couple of years, improve your credit score, declare your bankruptcy and in the future you could get something easier, and in overall not paying so much money. 

   If you want to take a mortgage from a traditional lender in less than one or two years before your bankruptcy, your chances could be pretty complicated - you could try, but you may get rejected because of your low credit score. A bankruptcy is just going to devaste your credit score and you're going to have a lot of problems, more problems that you may think of. That's why it's better to play and get up with your financial situation before getting into a loan to pay your new house. The fact about traditional lenders and that two year period is that they do not know if your situation got better and they have to see some perfect credit score before getting you money - if you have late payments in that 2 years period, this means that you have a lot more problems and your financial situation is a little complicated - not being a good borrower and presenting a risk may cause that rejection. Understand it now, you could do more about it.

   However, there are a lot of options you could choose in order to get some money you need, you could always get a secured loan from traditional lenders putting an asset on the table - in the case you don't pay your bills, then the lenders is going to have the legal right to take your asset, sell it and get the money. 

   Also, you could consider putting a down payment. It's possible to get a mortgage loan after bankruptcy, but it's very important to know what you're doing with your credit score. If you take a loan you have to really be sure you could pay back the money - think about the fact, if you don't have a perfect credit score in that 2 year period, you're not going to qualify for the things you may want to. 

   Be sure to monitor your credit reports if you're willing to improve your credit score - if you really want to improve your credit score after a bankruptcy then you need to take care of your credit score and not to make any mistakes, like late payments or stuff like that. Also, keep track of certain errors (not from your parts, when working with sub prime lenders or bad credit lenders) in order to fastly report them in time and not have any more problems in the future. 

   Apply for a new credit card - it's not easy to get a new credit card when you have a bad credit, but certainly not impossible as some you of may already think. There are a lot of places online who could really help you to seek and find out a new credit card - altough some times you may need to get a secured credit card when having a poor credit - a secured credit card means that you need to put a deposit down there (some money up to $1000) and be sure you make your payments in time to be sure you don't have any more problems in the future. So, if you are going to take some new credit card start seeking online but the best thing to do is to do a very complicated research because some of this lenders are willing to have insane interest rates and because of that there could be problems on your side - and you don't want to get more problems on your financial situation.