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jlt1144 · Joined: 25 Sep 2009 Posts: 1 1.39 Dollars($)

My wife and I make 43000 combined income a year and we are newly weds. of 3 years. Bills a month run about 800 monthly. My credit isn't perfect and I filed bankruptcy 4 years ago. Is there any possible way to get a mortgage and If so about how much for?

gunzijjistaff · Joined: 07 Apr 2009 Posts: 712 4.51 Dollars($)

Hi jlt1144,

Welcome to our forum.

You can apply for FHA laon for purchase house.As you say you had sign a bankruptcy 4 year ago, It will not effects on you if you have good credit history since last 4 years. If someone filed bankruptcy,he can't apply for loan for next 3 years.So you have signed it 4 years ago. To apply loan you must maintain 620+ credit score. Good credit history, Most recent bank statemetns. 3.5% down payment of loan amount. If your wife is co-borrowe for loan then her credit history will be consider.

greggwyburn · Joined: 13 Sep 2009 Posts: 60 0.00 Dollars($)

you can. but should have credit score of more than 620. Apart from this you need to specify your need as well. In case of FHA, you need to pay 3.5% as down payment. so be ready for it

greggwyburn · Joined: 13 Sep 2009 Posts: 60 0.00 Dollars($)

thanks

gunzijjistaff · Joined: 07 Apr 2009 Posts: 712 4.51 Dollars($)

"Thanks" for what ?

Guest

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gmakerley · Posted: Fri Sep 25, 2009 2:25 pm Post subject:

i have to laugh at that gunz...you're trying to make sense out of what greg said...i don't think that's a likely scenario. besides, he just parroted what you said.

i think there's a possibility of our poster getting a loan, but we truly would need more information as to debt, etc.

i think that they are still newlyweds after 3 years is a spectacular thing!

gmakerley · Posted: Fri Sep 25, 2009 2:25 pm Post subject:

oh yeah...carla, we have grown tired of your ad. please stop.

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