Hi Denise. Be thankful of your spouse. If you are pre-approved, why are you looking for a private mortgage lender?
Since you're rebuilding your credit (736 is quite good) and your spouse is golden, you should have no problem with a loan. Of course, you don't mention if you've found a coop to purchase. By the way, a pre-approval is not a comittment. The Lender will hire an appraiser (you'll pay for that) to make sure whatever you choose to purchase is not over-priced.
You appear to be in very good shape. Sure the bankruptcy will sit on your credit report for many years but your blended credit score with hubby should allow for a great rate. Best of luck.... more