Financial

[Tina]

I currrently live in Illinois and own a stick built home, built in 1991, valued around 110,000+ (not including the 1,000 sq. ft. deck surrounding the pool and professional landscaping) which depending on the buyer, I may or may not get more for the house. I owe 98,000 left on the mortgage. I had excellent credit until my health failed about two years ago and I was forced to quit working. I had to refinance and use most of the equity in the home to live off of. I also maxed out every credit card I had for the same reason. Needless to say, I am now faced with bankruptcy. Credit counseling is not an option because I would not be able to keep up the payments as required. I have applied for Social Security Disability, but that is a long process before I could get approved. Please note that I have kept up with all payments, on time until about two months ago when it all came crashing down. I was using credit cards to make payments in order to make other payments...outrageous! However, through this ordeal I have ALWAYS kept my house payment current and on time.
I have a child with a disability. In the state of Illinois, if you have a child with a diability and have been able to keep current on your house payments, your home is considered exempt along with one vehicle (which I have kept current) during bankruptcy. I am engaged to be married this spring. My Fiance recently had to file bankruptcy this past fall due to the outcome of a divorce over a year ago. We are considering moving back to Texas where he lived the past 25 years and going back to his old job with a much higher income.
We do not want to have to pay rent if it can be avoided. We would like to buy a small piece of land and put a manufactured home on it. All of this will require financing using the profit from the sale of my home. We will be starting out with a clean slate, debt free, except for a few low balance credit cards I have chosen not to list with my bankruptcy in order to have some good credit score along with my mortgage and vehicle. Because neither one of us will have a foreclosure associated with our bankruptcy, I am concerned this will still affect the outcome of us being able to get approved by a lender for the land and home. Can anyone give me some advice? Or am I dreaming up a big pipe dream here by thinking we have a chance of getting a loan so soon after filing bankruptcy?