Can we qualify for a mortgage?Hi and thanks for reading :) My husband and I are considering buying our first home and are wondering if we can obtain a mortgage.....we are apprehensive about applying because we're afraid of rejection! Here are our stats - the mortgage will be only in my husband's name:- $40k annual salary- $18k savings (but would like to keep down payment $15k or less)- 651 FICO score- Looking for homes in the ~$100k range, so borrowing ~$85k- Husband declared bankruptcy in 2002 but it is scheduled to be removed from his credit reports 9/2012- No credit card/auto/student loan debtIs this possible based on his low credit score? We are not looking for a huge mortgage and we have the cash for a down payment so we're hoping that maybe we'll qualify for an FHA loan...can someone help us? Thanks so much!March 09 2012 - North Valleys0YesReport 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.