Can we get a mortgage?My wife and I are trying to move and purchase a home. We both have discharged Chapter 7's from 2011. Her's was due to previous divorce debt and mine was due to enormous medical bills. Our credit scores now are in the range of 640-680 so have come a long way in two years. We are trying to find a lender that can work with us as our current home was discharged in my Chapter 7 (only in my name). We currently live in the home and it was modified and we are current on the mortgage although I never reaffirmed the debt. We are severely upside down in the home and spoke to BOA yesterday and they confirmed I did not reaffirm the debt. Their suggestion was I could just walk away or could keep paying. Either way I am not liable to them. So my question is can we qualify for a new mortgage and how will underwriters view my current home as it discharged but never foreclosed? We have found a new home for around $90-100k. We make $95k a year.Thanks for input and any offers to help.September 19 2013 - Buffalo00YesReport 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.