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Steer clear of sub-prime offers to "buy-out" the bankruptcy as these will be high rates and usually adjustable rate loans.

Find a reliable and honest bank or mortgage broker in your area to talk to.

Here is a link to some common FHA questions:

http://www.fha.gov/owner/afford.cfm

Best of luck to you.
References :
23 yr mortgage professional in IL

Here is an open letter to parents written from the perspective of a daycare provider or preschool teacher.

I am a professional. I may have chosen this line of work because I love children and I enjoy my job, but this is still my job/business. I have received specialized education and/or training to be a caregiver and educator for young children. I am not a babysitter; I am a professional.
I am not getting rich. In many places child care workers make less then public sanitation workers, secretaries and other jobs that require a lot less education and experience. I do get paid in smiles, hugs and recognition of appreciation from families.
I need you to read all material and notices. I am counting on you to know the information I send to you in writing. This includes newsletters, notes and contract material.
It is important that you communicate with me. Let me know in advance if there will be a change in your child’s schedule, or the services you will need.
If I ask you to bring in supplies for your child, please do. And make sure supplies are replenished as needed. This may include extra clothes, art supplies, diapers etc.
Remember your child is not the only child in my care. Although I do my best to provide individualized attention at times, I am often unable to change polices or disrupt plans to accommodate the needs of one family.
Please do not send your child if they are ill. If they are too ill to participate in the day’s activities they are too ill to be in care. I need to protect the health of other children as well. If your child is or was ill, please notify me.
I recognize that you are the most important person in the child’s life. I hope that we can work as a partnership for what is best for the child. Please share with me any concerns or questions about your child’s care and development. Work with me in helping your child learn, grow and develop.
Care Providers, Parents & Teachers Should Plan Fire Safety Lessons
Holidays often bring with them glowing candles, extra lighting, and more plugged-in items such as warming trays, decorations, and extra paper and materials around the home. With this also comes an increased risk of accidental fires in a home or child care setting.

Child care providers, educators and parents should be aware of fire safety when plugging in lights and decorations, and as a part of decorating be sure to add in a reminder to children about fire safety.

According to the U.S. Fire Administration (USFA), approximately 4,000 Americans die in fires and about 25,000 are injured from fires every year. The message the USFA is making sure kids of all ages know about fire safety for kids basics and whether families and businesses prepared in case of a fire in the home.

In-home child care providers should consider providing parents with information about their fire safety plan in the unlikely event of a fire while children are in care.Providers can also ask parents to provide a brief description of their own home fire safety plan and reinforce it through discussions, drawings, and play throughout the month.

The USFA emphasizes that anyone’s home can fall victim to a fire, and while eliminating fire hazards is one important sign, it is critical to have an escape plan. After all, planning and preparation may save your life or the life of loved ones.

Special attention should be given to ensuring that outlets are not overloaded, candles are out of reach of children and are not left burning, and that paper items are not placed in areas that could be ignited.Family Daycare
Pros and Cons
Pros:

1. Affordability:
It is one of the most affordable types of childcare out there.
Click here for information on what you can expect to pay on Day Care.

2. Usually less children than in a center based facility.

3. Family Daycare centers in many states must meet minimum state regulations.

4. Privacy is not an issue. You don't have to open up your home to anyone.

5. Your child will have more of a chance to socialize.

6. More personal: A home day care provider, if you find a good one, can be much more personal than the professional daycare environment.

Cons:

1. Your child will be sick much more often depending on the number of children the daycare provider is responsible for.

2. Inconvenient. Packing baby supplies, bundling kids up in the winter and getting yourself ready for work can be difficult.

3. High Turnover. Many providers who work out of their homes suffer from burn out due to isolation. It is a good idea to check how long this person has been running their home daycare and if they are associated with any professional organizations.

4. If your child is very ill, even family daycare centers may not allow your child to attend. You will need to find alternate care or be prepared to take days off from work.

5. Less regulated than a larger, center based daycare facility. There are more opportunities for the care provider to be alone with your child. More safety issues are present in someone's home. Is the house babyproofed? Are there pets present? Is the home clean?

6. If your work hours are longer than the standard hours of operation for the daycare center, you will need to arrange for drop off and/or pickup by either a family member or another childcare provider.

7. Less control of who is coming and going in the house. Will the care provider's husband be home during the day? Will her teenagers and their friends be in and out? These are questions to ask and if the answers concern you, you may wish to find another provider.

8. A Family Daycare provider can decide to stop providing care without any notice, whereas a professional daycare center will not do that.
In-home Caregivers
In-home Caregivers provide care for children in the child's home. They include live-in and live-out nannies and housekeepers. Most states do not regulate in-home caregivers, but some states regulate nanny-placement agencies. Many states do, however, require in-home caregivers receiving child care subsidy payments to be screened through a criminal history check and/or child abuse and neglect clearance. A few require minimal training in health and safety.

Why do Parents Choose In-home Caregivers?
Parents choose in-home care because they believe their children will be safer and more secure in their own home. They believe that if they employ the caregiver to work in their home, they have more control over the kind of care their children will receive.
Some parents find in-home care is a more convenient arrangement for the family and may provide more flexibility. If there are several children involved, they may find that in-home care is not significantly more expensive than other forms of care
Thought this would make you smile lol

There are some really bad babysitters and parents out there who really have no business watching after youngsters. Here are some top care providers and celebrities-in-the-news you'd NEVER want to have watch your precious tot!
1) Britney Spears
Poor Britney Spears. Besides having two small kids, undergoing a divorce from Kevin Federline, and enduring constant scrutiny over her attire (or lack of it) and her mothering abilities (or lack of them), she now has been named the Worst Role Model according to an AP-AOL News Poll. Britney has apologized on her website, citing that she probably went "a little too far" with her newfound freedom. Numerous news articles continue to the raise the question that if she is out partying almost nightly as a "soon-to-be-single" young mom, then who is raising those two precious kids?
2) Daisy Wright (Jude Law's Children's Nanny)
This cute nanny willingly had a consensual relationship with her employer, all the while knowing that the famous actor Jude Law was engaged to Sienna Miller. If this nanny doesn't know the boundaries, then who's to blame the outcome?
3) Teen Babysitter from 'Monster House'
The stereotypically mean babysitter in this movie ignores the child DJ placed in her charge overnight and has her boyfriend over well into the late night. While alone in the dark, they have a fight and the boyfriend leaves, making her mad. It's obvious that she had expected her boyfriend to stay the night. A babysitter who demonstrates bad judgement and lacking morals places her on the no-no list, for sure!
4) Mrs. Quickly (from Nanny McPhee)
This poor, lonely and recent widow Mrs. Quickly first appears to love children, but kids in the successful Nanny McPhee movie (2005) quickly learn she is not whom she seems. In fact, her intentions are to ship off the household of kids as soon as the "I do's" are completed and arrangements can be made. The same stereotype can be placed on poor Cinderella's evil stepmother as well.
5) Paris Hilton
She professes to love animals and kids, and even has been quoted as having said that hanging out with new gal-pal Britney Spears has shown her how much she would like to be a young mother herself. Since she has also been criticized for her frequent replacement of her darling pets, one must wonder how she'd fare with kids. Precious Paris, often tagged a "celebutante," was arrested fpr drunken driving in 2006 while on a late-night hamburger run.
6) Au Pair from The Hand That Rocks the Cradle
Rebecca De Mornay starred in this suspenseful film (1992) about a disturbed au pair. How she tears apart the family is absolutely horrifying.
7) Daddy Day Care
This 2003 comedy is fun to watch, but would be absolutely terrifying if it were YOUR kid under the care of Eddie Murphy. There are some truly fun scenes with hyperactive kids. So when the unemployed men ask each other the question of how hard it can be to run a daycare center, the answer is, not surprisingly, much harder than anyone thought.
Babysitter Urban Legends
Let's just hope that these types of wasted and basted urban legends aren't true. There are always horror stories circulating about babysitters who "cook" the infants in their care and worse. If nothing else, these horrifying stories should jolt parents into realizing they should always check references carefully and be confident of any caregiver left to keep charge of their precious tots.
signs you daycare provider is the best

It's hard enough to find a babysitter, so how do you know when you've located the "best?" Here are signs that the babysitter you've hired to watch your kids is a true jewel!
Exhibits an Engaging, Positive Personality
Does your babysitter effuse warmth and friendliness? Is she positive, accepting and seem eager to have the opportunity to care for your precious tots? An engaging personality with you is a good clue that she'll be vivacious and fun with your youngsters as well.
Asks Relevant Questions and Seems Anxious to Find Ways to Bond With, Please Kids
Your sitter gets an initial nod of approval if he/she asks a lot of questions beforehand or during the first couple of sessions. Understanding kids' likes/dislikes, special preparation of food (even to whether they like their nuggets microwaved or baked) or sandwiches cute diagonally or straight, are good signs that the sitter truly wants to do a good job!Delivers On Time Arrivals, Every Time!
Babysitting should be approached like a real job. That means an on-time arrival, so that parents can leave on time as well! While unavoidable emergencies can occur, oversleeping, running out of gas, not having transportation, or worst, "something came up," are not acceptable reasons for not meeting their part of the bargain. A great babysitter arrives as scheduled and ready for action!
Has Completed First-Aid/CPR Training and Other Classes
Many babysitters prepare to make themselves marketable to parents by willingly taking CPR/First-Aid and even early education classes to boot. Some community centers even offer babysitter training classes, usually geared toward teens, to help teach emergency response, tips for dealing with unruly kids, and easy meal management. If your sitter has initiated taking training, it's a good sign she will be passionate about doing a good job when hired!
Comes Prepared for Kid-Friendly Fun
The best babysitters come prepared with someone to do with kids in their care. Enterprising sitters may bring a simple-to-complete craft, a special book, or even a favorite DVD or video to watch together, and some even bring popcorn or special treat too (of course, they check for approval by parents first). Sitters take heed: a good way to win parents' hearts is by planning something simple and fun, even as simple as a ball to play four-square in the driveway!
Is Dressed Appropriately for Fun Time
A sitter who arrives dressed ready for a hot date later is not going to want to play ball, get dirty or sweaty, or have much fun with your kids. The best babysitters arrive "not to impress" but to have kid-friendly fun with your youngsters. They should be dressed in comfortable and conservative clothes, preferably in items that won't be ruined with a little grime, food or action! Sandals, flip-flops or tennies means she ready for play action!
Provides Parents with Feedback
Find a babysitter who will happily tell you what she did with your youngsters while you were gone (and beaming tots interrupting to add details is even better). Beware of the babysitter who seems to only want to talk with you when kids aren't in earshot; that could signal that she's going to provide a different version than what they might indicate. Some babysitters even leave parents with a "what we did" recap with fun summaries, poignant moments, and even who ate what. What a keeper!
Has References from Happy Parents
Of course, references is one of the first things you check, but babysitters considered the best will have ample references from happy parents! The best are wanting to have your name added to their "satisfied customer" list and will make sure your kids clamor to have her come back again…and again! Be sure to ask for references and follow-up with calls to provide that extra peace of mind and security. And, then make sure you call in plenty of time, before she gets a job elsewhere!
References :