It can be challenging to get a mortgage after bankruptcy, although it is not impossible. Keep in mind that a bankruptcy stays on your credit report for ten (10) years from the date that your debts were discharged by the bankruptcy court. However, a bankruptcy will appear in public court records for a period of twenty (20) years. Therefore, any lender with whom you apply for a mortgage loan will undoubtedly be aware of your prior bankruptcy history. If you are able to improve your credit score over time by reestablishing credit, the mere passage of time may enable you to obtain a mortgage loan after bankruptcy. Having a co-signer on your mortgage loan application also may enable you to obtain a mortgage loan in some circumstances.