It is impossible in the current market to get a mortgage for you. You should save money and ask friends and family to help. Rebuild your credit.

The main problem with your situation really isn't finding a loan, because there will always be someone willing to loan you some money...the problem is the interest rate you will have to endure. My honest advice, having gone through your exact situation, is to sell the trailer for whatever you can get, find a suitable home to rent, and rebuild your credit through little loans / credit cards.

Good luck!

You say you have a substantial income and a paid for home, why would you even need to finance a bed?

Start saving up for a substantial down payment with your substantial income. You'll be more likely approved for a mortgage once you have 20% down, even with the fresh bankruptcy on your credit.

Good Luck.

IMHO,
I really don't need to finance a bed, but just to see if i would qualify I filled out a credit ap at a Badcock Home furnishing store.

Cat ...This is exactly what I'm doing now except I haven't sold the MH and I can't save enough money fast enough due to trying to rebuild my credit with a car payment@24% interest and Medical Bills. Since you had gone through this how long does it take to rebuild your credit?

Oh...ummmm......can I get back to you whenever it happens? lol

Actually, there are credit card companies that will extend you offers shortly after bankruptcy. Be very careful as they will be astronomical interest rates and this could put you right back into the fire.

The main thing to understand is that the rebuild isn't going to happen overnight. It will take time, and a lot of patience. Keep a diligent eye trained on your score and you will see it come back up.

Thanks for the award, by the way!