Need advice: one spouse has 900, the other has 700.My wife has really good credit. Her middle score is 900. Her income is only 30K/ year. My middle score is 700. My income is 140K/year. However, here is a catch, I had a foreclosure on my record. The foreclosure was on my investment property. It is 1 1/2 years old. Given our situation, what option(s) do we have in getting a home loan (primary residence), without having to wait for a full 3 years after the foreclosure.Thanks!VinceDecember 19 2011 - Chula Vista00YesReport 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.