You can start now with NACA because they don't consider scores. They will lend 100%, 30 year fixed at 3% or less, with no closing costs. Check Neighborhood Assistance Corporation of America on the web and go to a workshop to get started.
BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012 Starting Score:11/16/2009EQ56611/16/2009TU538 Interim Score: 12/27/2012EQ68309/17/2012EX (lender)6701/01/2013TU701 Current Score: 11/06/2013EQ70811/06/2013EX 70211/16/2013 70211/06/2013TU729 Goal Score: EQ740EX740 TU740 Take the FICO Fitness Challenge