Before applying for a mortgage then, make sure that your credit report is accurate and what payment you can afford. The best way to get a mortgage after bankruptcy is to know the how big a mortgage you can take and with this number in mind, choose the house that conforms to that number. In other words, get approved first, choose the home next. This process is called pre-qualification and most realtors and bank loan officers can do it for you. You will be surprised how many realtors and banks are willing to talk to you and work with you. Even those that will not work with you will be able to provide you with names of other realtors and banks in the area that will deal with consumers after bankruptcy. For more information about getting started with your bankruptcy, call a knowledgeable San Francisco attorney at Sagaria Law.