after bk.....

Does anyone know.........
Dh was in an accident last fall at work. We will eventually be getting some
kind of settlement (between WorkMans Comp and the auto insurance of the girl
who hit him). We are hoping for in the next 6 months. When this happens, it
SHOULD be enough for us to put 20-25% down on some land (and possibly a house
too, or maybe just land and wait for the house). BUT, my question is
this......we were told a few years ago, when discussing buying, that if you have 20-25%
down, credit doesn't matter. Is that still true after bankruptcy? Could we
find a mortgage within a few months after bankruptcy if we have enough down?
I read the Stephen Snyder book, so I believe so, but am wanting others
experiences too. I also know it will help that dh is no longer self employed, but
has a good income from his job now.
BTW, we plan to go to the conference (or seminar or whatever they call it)
related to the book, but they won't have one in our area till spring.

Erin (9/29/74) wife to Steve (9/29/67) since 10/23/99
Mommy to Megan (12/10/95), Mariah (5/14/00) and #3 due 12/15/03
Websites: AND Cottonbums.com
If we will do the possible, God will do the Impossible!