I’ve been married for 8 mo. now. I filed bankruptcy in 2005 & it will be two years old in Nov. 2007. My credit score is 638. I met with a mortgage broker & was told that if I get a mortgage now, it will be 10% down & 10% interest rate. If I wait until Nov., I was told I could get no money down & a 6% interest rate. I want to wait, but my husband has found a home that we have absolutely fallen in love with. My husband will be declaring bankruptcy for debts prior to our marriage within a month. Will I still get qualified for a loan now or in Nov., or will I have to wait until his bankruptcy is discharged or two yrs. old first? We have another broker saying he’ll qualify my husband as a first-time homebuyer, regardless of his credit, & add me as a co-borrower. I’ve owned a home in the past that never defaulted or went into foreclosure. We currently pay $ 675/mo. for a place we’ll never own. We own our vehicles & no debt expenses other than utilities, neccessities, & insurance.