Hello, About a year ago, I filed for Chapter 7. I was able to buy back my business, so it is rightfully mine. It currently has a positive cash flow with very little liabilities. Currently, we have a home. But, there is no equity in it at this point. I recently found out that our family is expanding by two . So, I am going to need a bigger home and I will rent the smaller home. Long story short, can I use the business as collateral in order to offset the credit hit that I took with the BK? Would I be able to get a reasonable loan with very little down? I hear that now a days you need perfect credit and 20% down? Does anybody know of any home loan programs for people that filed BK? Thanks so much.