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I bought a house with my wife a year ago, and when figuring out our interest rate for our loan, as well as approval, they based it on the lowest score. My middle score is 742 and since she had a short credit history at the time, her middle score was 670. We both make about the same amount of income. Because of this even though our combined income annually was double our mortgage, and we put 20% down, we still had to pay almost half a point above best rates due to her credit score.In your case, your husbands credit score will be used when determining the interest rate, and his previous bankruptcy with be scrutinized. A factor in your favor however is your mortgage is going to carry an extremely low monthly payment. As long as he hasn't had any late payments since the bankruptcy, I would say your odds of getting a loan are good, but they aren't going to be the best possible rates.
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