So, You're Buying Property in California...

You might start by asking yourself how much house you can afford...and the answer to that really has a lot to do with your current debt income and your current debts. An old rule of thumb is that you can afford a home that costs between one and a half to two and half times the annual household income. So if your household earned $100,000 a year then you might buy a home that cost $150-250,000. However, it should be noted that many loan products make it possible for you to be approved for significantly more than what is 'comfortable'.
You also may be wondering whether it is necessary to use an agent when buying a home. The answer to that is that NO, it is not necessary...but it is the smart thing to do. Keep in mind that buying a home is a legal transaction. If you don't know real estate law inside-out then you are at a severe disadvantage when trying to transact real estate purchases. Just as you wouldn't enter a court with out a lawyer you shouldn't consider purchasing realestate with out solid legal representation.
You may also wonder whether or not you are getting a good deal on your morgage rates. There is a lot of variation in the bankruptcy morgage market so we advise you get multiple quotes from Bankruptcy for purposes of comparison. Also, many Debt Settlement Affiliate Programs newspapers and online sites list their current home morgage rates---you can browse through those resources to compare.