Aaron is correct on the marital property too. If you are married at the time of purchase, you have a marital property interest in the property, whether you are on title or not.
And we can line you up with great mortgage people to talk to, if you'd like.
I hope that helps.
Tammy Hayes, Realtor
Sandals Realty, Punta Gorda, FL
Also, I had read online that some people use this strategy to then have the spouse who's not on the mortgage buy a vacation or investment property in the future in their own name, and so do not ever re-fi to be on the original mortgage. Do either of you have thoughts on that?
In regards to your situation though: if your Chapter 13 was that long ago, it may have little effect on your credit at this point... if your credit score is above 680, it might have no negative impact on your loan approval or rate. Further, this would eliminate the need to refinance later and save you $1000's of dollars in fees and lock in a great rate today, which might not be around when you refinance.
Food for thought!