Zillow Advice: Home Buying - Can I get a Loan? http://www.zillow.com/advice-thread/Can-I-get-a-Loan/235109/ Zillow Advice | Zillow Real Estate Wow, this is gone to be a ... http://www.zillow.com/advice-thread/Can-I-get-a-Loan/235109/ Wow, this is gone to be a hard one.&nbsp; Let's break it down what a broker would look at.&nbsp; There are BK less then 2 years, it can be done.&nbsp; But it depends on what you <a href="http://www.zillow.com/mortgage-glossary/FICO/">FICO</a> score is.&nbsp; I imagine it is low, lower then the 720 <a href="http://www.zillow.com/directory/lenders/">lenders</a> are not happy with.&nbsp; The good tradelines is less then a year, that's not good.&nbsp; DTI of more then 35% will not be good.&nbsp; You can use SSDI, 70% of it will be used to figure out your monthly.&nbsp; Second income, good as long as you have had it for then a year to two.<br/>I would give it another year, and get your DTI lower.&nbsp; I would also join a credit union and build some repure, banks will not touch you.&nbsp; While we don't sell <a href="http://www.zillow.com/mortgage/">loans</a>, this is what we are hearing from Brokers.&nbsp; Good luck!<br/><br/>Kris Yates<br/>www.LoanTactics.com Fri, 15 May 2009 06:28:00 GMT http://www.zillow.com/advice-thread/Can-I-get-a-Loan/235109/ 2009-05-15T06:28:00Z