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I am ready to pull the trigger now, but my plan is to wait until April when bk falls off and in the mean time work on HSBC account. Also that will be when my children are out of school to make the process go as smoothly as possible. I plan to file taxes in Feburary and put in a savings account to season, apply in the beginning of April (March if the bk falls off) and close in late May
I have a partner but they would not be on the loan for two reasons 1. relationships dont always work out 2. if bills are based off one income then that eliminates financial struggle if either party is out of work.
What is the source of your score? If not from a loan officer having pulled your credit, then they are not reliable.
I think that you secure a mortgage but it may not be the mortgage product for which you wish.
A 620 to 640 middle score would allow you to try for an FHA mortgage. You would need 680 or higher to qualify for a conventional mortgage. You won't know until you apply so go try for a preapproval then start your home search.