My wife as I stated has almost perfect credit with a 740 credit score BUT she doesnt make the money. I however filed for bankruptcy a chapter 13 1 year ago and it has not been discharged yet. What are the chances of us obtaining a loan either before my debts or discharged or shortly after?
Or do you think it would be possible for my wife to obtain a loan on her own legally in some kind of no income stated program?
Thank you and your answers are very much appreciated.
Hi! I deal with a similar situation between my husband and I. Therefore, you are totally NOT alone! There's no reason your wife shouldn't be able to obtain a loan since she has great credit. Unfortunately, as you already know, your chances are not as good. Don't fret though, you'll eventually build yours up. Be grateful your wife has great credit. Some couples have no help as they both have horrible credit, you know?! Just go forward with processing the loan in her name, regardless of her income. A bank can better advise you too, so seek their help. You'll never fully know till you try. So go out there and get you a loan! Good luck to you and your wife!
