Will My husband and I qualify for a mortgage with credit scores in the low 600’s and a recent bankruptcy?

I want to know if my husband and I will qualify for a mortgage. WE have a bankrupcty file that was discharged on jan 2005. Our credit scores are in the low 600’s, we both hace auto loans and major credit cards that are in good standing. Our annual income is 60,000 gross but we don’t have any money for a down payment. I just don’t want to walk into a bank and look like an idiot!
We do not have alot of debt we both have reasonable car payments and a credit card each with a 300 credit limit, so i would hope that would help not hurt us by showing that we are on the right road after filing.

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