Our credit scores are 520 and 580 - we make about 90000 yrly - can we get a mortgage in the next 6 months?

We filed bankrupcy in 2000 and have had a charge off that was paid in full - currently we have small past due acounts all about 2 yrs or older. We have 5 credit cards that we opened within the last yr and all are maxed out but paid on time - We have both bought new cars within the past year - We are currently... show more We filed bankrupcy in 2000 and have had a charge off that was paid in full - currently we have small past due acounts all about 2 yrs or older. We have 5 credit cards that we opened within the last yr and all are maxed out but paid on time - We have both bought new cars within the past year - We are currently renting with option to buy in 6 months - our rent is equal to that of a 9% interest mortgage - will we qualify for a 9% mortgage in 6 months - how can we be sure?
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