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Payment options for mortgage?

Here's the deal. I want to buy the home I currently live in. I have five payment of the payments for the last Years. my sister owns the home and will consider it at around $ 100,000.00 and we live in Southern Illinois. my credit score is 640 and we filed for bankruptcy three years ago. Since then, I have about 6 credit cards and have had 2 car loans. My sister wants only what they owe, which is $ 58,000. I would like an additional $ 17,000.00 for a total of $ 75,000 to borrow. reviewed since the house at 100k, I can say the bank, it wants $ 80,000 and basically no money to pay off? with a credit history such as mine Do you think I can get an interest rate by 6-7%? Thanks

Yes, you can get this done with an FHA loan with a gift for setting capital.

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