My husband I were disharged in June of this year.  We want to be able to purchase a home in the next 3 years.   I went through Matt Weiler's process of "credit cleaning" and we have just sent away for our secured credit cards.  We will be getting a car loan next year to help with our credit rating.
We had a mortgage that was included in the bankruptcy.  The property was actually what pushed us in to bankruptcy as a loss of employment meant we could not afford it. 
After we take the next 3 years to build up our credit, will we have trouble getting financing for a mortgage since we had a mortgage included in the bankruptcy? 
Also, how much of a downpayment should we be saving up for?  10%?  20%?
Any info is much appreciated!