So my wife and I are renting right now but would like to buy a condo via FHA guarantee. We have found a good realtor and will use our Credit Union for financing. Our mid scores are in the 680-690 range. We had a Chapt 7 BK that was discharged in Nov of 2012 almost 3 yrs ago. There are 1-5 baddies alll related to the BK still showing on the bureaus.. All of the baddies show with a zero balance and all but two show as included in BK. The two that don’t are real estate related and show as pd in full but late 120-150 days. ( Deed in Lieu – 2010) We have no collections, liens, judgements. No late pays or any other negatives since Nov 2012. We PIF all of our CC. We have established significant credit lines 110k+ since the BK and have paid off several auto loans. Our only other consumer debt is my Student loan payment $ 500 per month and one vehicle payment $ 600 per month. Our rent is currently $ 1354 per month. Only other expenses are hshld, food, entertainment and utilties. We have one dependant living with us. Our Gross income is approx 105k. Net income is approx 84k. Looking to qualify for FHA loan with 3.5% down 15yr fixed rate. Purchase price of condo we are looking at is 190k and the association is FHA approved. Any advice, thoughts?