About four years ago, I declared bankruptcy (chapter 7) – when bills and collection agencies finally caught up with me years after my young and stupid days. I am now 30 years old, have graduated with a bachelor’s degree, working on my master’s, and have a good, steady job. My credit score is currently 718 (and rising slowly every month), I have three major and two department store credit cards with only a total of about $ 400 on all of them. My car is paid for. My only major expense right now is paying off my $ 30,000 student loans (consolidated). With my life and credit back on track, when is the best time for me to think about buying a house? My score is getting better and above the national average….but how much will the bankruptcy hurt me in either not being able to get a mortgage or having to pay high interest? Should I wait til my score is above a certain point? Should I wait until the bankruptcy is off my report (6 more years)? Or can I refinance after that? Thank you!