I wish you well.
You need to sit down with a lender and do a formal loan application with your joint applicant to see if the loan would qualify. If not you may want to check out my blogs here on Trulia on how to improve and raise your credit scores, or you can call my office.
Best of Luck:
CEO & SR Credit Repair Specialist at
Everlasting Credit Repair
Ex-Mortgage Banker of 10 years
Contact me at 757-705-0822 or email@example.com. I'll put you in touch with a lender that will evaluate your credit score. If you don't currently qualify for a loan, they'll work with you to improve your score.
Rose and Womble Realty.