HELP!! Getting a home loan four years after bankruptcy discharge and recent selling of other home?Ok so I'll try to sum this up as much as possible. My husband and I filed for bankruptcy in 2009 and were discharged in early 2010. We had already bought a home before we filed and kept our home and continued to pay on it, little did our expensive lawyer tell us, we had to reaffirm our mortgage, but we never did. So it was never reporting on our credit. I applied for a credit card solely to build credit about a year ago, but my husband saw no need in it. Fast forward a year later and now we sold our home in California and moved to idaho falls to buy a new home. He had a credit score show up of 643 on freecredit report.com (per advise of broker at bankofamerica) and I have a 680 so we thought we would be fine to get another mortgage. Now Bank of America is denying us for a loan because their sub company landsafe states that my husband does not have a credit score? We both work remotely but I am part time about 2 hours a day and he is the sole income and has worked for his company for 6+ years. We are putting 20% down and hopping to have a home built for 167,900 we have our equity ready to re invest but we are so discouraged and don't know where to go from here. Will any lenders use a non traditional score? We haven't missed any payments or faulted on anything since the bankruptcy. What are our options!!!?November 11 2013 - Idaho Falls00YesReport 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.