Zillow Advice: Buying Process - Will we qualify for a loan? http://www.zillow.com/advice-thread/Will-we-qualify-for-a-loan/508726/ Zillow Advice | Zillow Real Estate Ask your lender about the ... http://www.zillow.com/advice-thread/Will-we-qualify-for-a-loan/508726/ Ask your lender about the new FHA program called "Back to Work". It was created to help those who have had a short sale purchase sooner than before. I don't have all the details but a lender should. Best of luck. Tue, 27 Aug 2013 19:07:00 GMT http://www.zillow.com/advice-thread/Will-we-qualify-for-a-loan/508726/ 2013-08-27T19:07:00Z When you apply for a loan ... http://www.zillow.com/advice-thread/Will-we-qualify-for-a-loan/508726/ When you apply for a loan with both of your names on it, that means both of your information will be looked at. Unfortunately, in the lenders eyes your good credit doesn't necessarily make up for your husband's bad credit. His credit will definitely be looked at, especially if he is the primary wage earner.<br/><br/>Another thing you should keep in mind is that there is a waiting period to get a loan after a short sale that can go from 1-4 years depending on your next loan and circumstances. I would suggest talking to a lender. There are lenders, like myself, that would be glad to help you out and try to get you a loan. Some lenders like myself have been able to give out loans with credit scores as low as 580. If we can't give you a loan, a good lender will point you in the direction of how to improve your situation so that you can get a loan as soon as possible. So I would recommend that you talk to a lender.<br/><br/>Well I hope this helps! If you have any further question or if you would like a loan, feel free to contact me. Also, if you found this comment helpful, please leave me a review!<br/><br/>Good Luck! Tue, 27 Aug 2013 18:51:00 GMT http://www.zillow.com/advice-thread/Will-we-qualify-for-a-loan/508726/ 2013-08-27T18:51:00Z Great advice so far from ... http://www.zillow.com/advice-thread/Will-we-qualify-for-a-loan/508726/ Great advice so far from both Wetdawgs and Ofe. I would just add it really depends on your husband's credit report and how the short sale is reported to the bureau(s).<br/>Thanks for the great question!<br/><br/>Best wishes, Jim Tue, 27 Aug 2013 14:34:00 GMT http://www.zillow.com/advice-thread/Will-we-qualify-for-a-loan/508726/ 2013-08-27T14:34:00Z Contact a few mortgage brokers ... http://www.zillow.com/advice-thread/Will-we-qualify-for-a-loan/508726/ Contact a few mortgage brokers and credit unions and see what can be done.&nbsp; Good luck! Tue, 27 Aug 2013 13:02:00 GMT http://www.zillow.com/advice-thread/Will-we-qualify-for-a-loan/508726/ 2013-08-27T13:02:00Z What was the date of your ... http://www.zillow.com/advice-thread/Will-we-qualify-for-a-loan/508726/ What was the date of your husband's short sale?<br/><br/>The credit score used for qualifying needs to be from the same person whose income is used for qualifying.&nbsp; There is no mix and match option available. Tue, 27 Aug 2013 03:33:00 GMT http://www.zillow.com/advice-thread/Will-we-qualify-for-a-loan/508726/ 2013-08-27T03:33:00Z