Hi Martin,
It sounds to me like you have payment history issues, I'm extremely familiar with this topic as I deal with new home financing with properties included in BK that ultimately foreclosed or short sold or people that want to buy the day out of foreclosure. These are the types of loans that I specialize in.
Here are the questions that I would have:
1. Are you current on the home or do you have a rolling delinquency?
2. How many payments are you more than 30 days past due in the past year?
3. What are your intentions with your current property (be careful when you answer this question, think of what a bank would or wouldn't want to hear).
I would also like to point out something that someone told you to do which is let the property go to foreclosure. Don't do this. Even though you included your property in bankruptcy it will hinder your ability to lend on another property if you let that one go for at least 3 years. FHA would be 3 years, Conventional would be 7. Why? Because you basically showed that you wanted to stay in the property even though you included it in the bankruptcy by continuing to pay (essentially re-affirming the debt).
Hopefully this helps clear up any questions you may have and if you want to talk with someone that's extremely knowledgeable about this situation please don't hesitate to reach out to me via e-mail at:
[email protected] or by phone at 619-379-8999.