I just recently filed bankruptcy and it was discharged my house was in with it. I am renting now and want to but another house in the state that I moved to. What should I do. I have a good paying job and a 401k can I get financing and where do I look for help.
With all of the changes in the mortgage industry backruptcy rules have changed as well. In order to get a new FHA mortgage purchase loan you the bankruptcy will need be to dicharged 3 years. The time frame is based on discharge date not filing date. Not sure how this impacts your situation you could look for...

Do they combine the two score of husband and wife for home loans?
Looks like we got this one answered, yes the lower middle score of both borrowers will be the score used on the loan,

Would any lenders approve Conventional with 47% DTI and 15% down??
Bank of the west would be able to if you have adequate reserves after closing we can do non-QM loans give me a call 316-218-5352

VA ARM versus fixed rate? what's best please
A va arm is an excellent option for you - the risk is small even after the Initial 3 year term on a va arm the rate can only go up 1% per year so your rate risk in the future is less - we make loans in Minnesota any questions about va call anytime 316-218-5352