Even with the mortgage meltdown, can i still get a 100% home loan after 1 year post bankruptcy?

ok. i dont need no gay answeres or smart *ss answeres here. i know when my bankruptcy is 2 years old my credit score will be close if not in the 700’s and i will be able to get a fha loan with 3% down and very reasonable interest rate. i am looking for finance now with a median credit score of 624….can anyone point me in the right direction?

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