Can I qualify for a mortgage with poor credit?Can you advise me whether or not we can currently qualify for a mortgage under any circumstances, and if not, what do we need to do to be able to qualify. My situation: I am a 50 yr old male. Recently been through some hard financial times but have started the recovery process. Divorced 2 years ago from an out-of-control alcoholic who drank us into some debt which I'm currently managing. Laid-off and out of work for 2 years. Lost home to foreclosure in 2008. No bankruptcy. Current credit score 608. Renting home for 2 yrs. Full-time employment since Aug. 2010. Income $52,000 per yr. Her Situation: She has been separated for 3 yrs.and is 42 yrs old. She owns a home with her ex-husband but is not on the mortgage (just on the title). Current market value of that home is approx. $375,000. Her credit score is 781. But she has no regular income having worked part-time and seasonal jobs for the last few years. We can come up with a down-payment of 10%, possibly more if needed. Can we secure a mortgage based on her credit score and my income without being married? What if we were married? Can we qualify with a co-signer? Can I qualify on my own with a score of 608? If we cannot qualify under any circumstances, what do we need to do to become qualified?April 12 2011 - Aquia Harbour00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.