Hello. I have a chapter 7 bankruptcy from 9/2016. It has been a little over 4 years since my spouse and I filed. In those years I became an engineer and have been working as one for about 2 years. My SO and I are moving to a new state so I can take a new job. We want to buy our first home in our new location.
However how does that work with a bankruptcy on file and relocating while looking for a mortgage? Will we be able to get a mortgage while I am taking a new job and she is looking for a new one with a bankruptcy on file? Is it best for me to apply solo for a mortgage and leave her off since she will be looking for a job right before we close and it will show she has no job when they do the final checks right before closing?
my income is $78k with the new job. She currently makes 48k and will make 45-50k once she gets a new job. We are looking for a 250-300k mortgage with 20% down.
any suggestions on a good mortgage company for people with a 4 year old bk on file?
