Best of Luck & Have a great day;
CEO & SR Credit & Mortgage Consultant of
Everlasting Credit Repair
Making home ownership more than a dream...
Retired Mortgage Banker
Another suggestion you may want to look into is a credit union or portfolio lender where they essentially make their own credit guidelines.
Hope this helps!
Good morning, you will need to contact a loan officer to do a pre-approval. If you cannot get pre-approved, they will inform you of what needs to be done and how long it will take. Have a Great Day!
"Selling Real Estate Since 2001"
Elite Texas Properties
12320 Barker Cypress Road
Cypress TX 77429
Did I read this right your wife is unemployed? If so she doesn't have to be employed as long as you make enough to cover your bills and the loan. They will go by the lowest credit score which is yours in most cases.
You need to bring your score up, there are companies that can help but most charge a fee and more than a few are un-reliable. The best would be to talk to a lender that can guide you in how to raise your score. Google information on raising your score without paying someone to help. Here is one example:
There are many more take some time and do your homework educate yourself on what you can do yourself.