<prompt> Human: My bankruptcy was dismissed in February only 3 months ago. It was all for medical debt and one small credit card. Even though its very soon, where I live rent is CRAZY expensive due to low vacancy rates and I can buy a decent home for 150-200k. I am 26 and a first time buyer. Since the dismissal my credit score is 640 with no late payments on the one credit card I now have. I have no other debt. Ive had a steady job for 10 years. Never been unemployed. Currently I make 40.5k a year. I also have 10,000 to put down. Is it even possible for me to buy a house soon? I know generally you have to wait 2 years.  <response>: No, you dont have the cash or the score to be ready to buy. With a recent bankruptcy youre going to get murdered on interest rate, and with only 10k to put down youre going to look even less attractive to lenders.Give it a year or two, save up 20 down your emergency fund, and keep paying your card on time. 