Thanks for the responses.

I have seen some people as well on this board get financed with crappy scores. I dont get it. I have read though that the late mortgage is a big red flag.

Fortunately i DONT and WONT show an actual bankruptcy filing on my credit. It hasnt reported as late since may, but it still shows open and past due.  My husband is due to be discharged in about a week. Fingers crossed that after the mortgage is reporting closed, it will start improvin