I have worked with several married buyers that have purchased property using only one of their names. Not only for bankruptcy, but simply when one of them has a credit score that is lower than their partner's credit score, enough to change the intrest rate available to them to a higher rate.
One main thing to think about is that if you are the only one on the loan, the lender will only use your income to qualify for the loan amount. With interest rates so low at this time, you may qualify on your own!
If you are interested in properties in the Sonoma County area, I have been helping Buyers & Sellers since 1984 in this area, and know Rohnert Park and the surrounding areas quite well. Please email or call with any other Real Estate questions; I'd be happy to help you!
SHER Miersemann 707-584-9682
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Oh, you said he filed for bk, did he actually complete this process and get his debts discharged?
Has anyone pulled his credit to see what's reporting?
These are just a few of the related questions, feel free to contact me if you'd like me to review all the specifics to your situation...
thanks, Jeff Marr
If he has had a short sale or a foreclosure and you were living in the property when those occurred, you may have a difficult time getting around that.
Husband will need to sign Quit Claim Deed as per California's Community Property guidelines.
Get all your documents in order and find a reliable loan agent in your area to go over your file complete with your credit report and husband's.