Best of Luck,
Coldwell Banker Star Realty
BRE Lic #01456982
What I tell my people in this type of situation with hard time to do is write a letter short not to long to the point about what happened and how you are fixing the problems to get your credit rating higher again.
Make sure you have some credit thats in good standing and paid on time over the past year. This seams to help the majority of times, yet not all...
Hope this helps!
--be upfront about your situation before you even view the house
--get a copy of your credit report in advance and know what's on it
--be honest about EVERYTHING (list bankruptcy, etc.)
--be prepared to pay a larger deposit
--have proof of a good rental history
--have $$ in the bank
Sorry that you are going through this but it seems like things are getting better and congrats on your wedding. The best advice I can give you is just be completely honest with any possible landlord you might rent from. Explain your situation and a lot of times they will understand and have some compassion. This sort of thing is happening to a lot of people, being upside down on there mortgage and things like that. I have helped a few people in similar situations and things have always worked out when they are honest. Best of luck to you and your family.
The foreclosure and BK shouldnt hurt you much and I recommend having a "renters package" ready when prospecting for a rental. The packet should have copies of recent pay stubs, credit report, reference letters, landlord testaments, tax returns,etc.
If you keep your current house maintained and tidy, bring photos to show that you take care of your home. And as silly as it sounds, make sure your car is washed and cleaned out when meeting with "landlords"...they all check :-)
Generally , a FICO of 600+ will do the job...
Good luck and hollar if I can help you guys in any way!
Drive around the neighborhood where you would like to live;
look for FOR RENT signs with a phone number.
Deal only with the Owner, not a management company.
Face to face; explain what happened; be open and honest.
If you cannot sway them; you probably didn't want them for a landlord anyway.