Do you not have 2 years of W2 or 1099 income? With either, an FHA loan should be no problem, or even a Fannie or Freddie backed loan with mortgage insurance baked into the interest rate.

Income and assets are king when underwriting a mortgage, credit less so (depending on investor desires of the mortgage backed securities).

https://www.hud.gov/sites/documents/4155-1_4_SECD.PDF (FHA Guidelines: Borrower Employment and Employment Related Income)

Well, let's put it this way - I have less than 2 years of lack of W-2 income. But yeah, you are reiterating my point, that credit score isn't necessarily what everything is based on. And what I was also thinking, is that I would not charge into bankruptcy assuming I knew what the consequences are. Everybody says you can get credit right afterwards, but I think "yeah, and that means they think you're a good risk for some reason other than your personal habits of paying debts, which sounds ominous".

Meaning what? They're gonna break your shins?