So many factors go into each loan scenario! Using your father-in-law as a cosigner would help by lowering your combined debt-to-income ratio but we do have to use the lowest ... more
Chapter 7 the wait period is 2 years after discharge
Chapter 13 the wait period is 1 year. There can be no late payments on any debt ... more
I might also suggest that you work with Heather at Blue Water Credit to h ... more
Lenders require a minimum credit score of 640 to qualify for mortgage financing; a cosignor is not to be used to make up for a deficit in credit. It is ... more
Your lender has full knowlege of your situation regarding what you owe and what your percentage balances are for your card so they would be best to listen to.
Take VERY im ... more