If you cannot show consistent income for the last 24 months, you will not be used in the qualification of the loan. Unless you were in school for the last 4 years you will not be able to explain the lack of employment history.
As far as your wife, she will not qualify until after 24months from the discharge of BK. If your cousin is a mortgage broker they should be able to guide you through this process.
Do NOT put money down on a contract until you see a reputable bank or give me a call and I will iron your situation out for you.
I can assist you and direct you to others on my team as well to answer your questions. Email me at email@example.com
Larry R. Atwell
websites http://www.jacksonvillehomes4u.com and http://www.facetoface4u.acnrep.com