Can i get financed with this situation? - Please help

First off about income. I make 120,000 as does my significant other. So income in the 240,000's. My significant other has excellent credit in the 700's. I however while waiting to get hired for my job went into some good debt and had some closed accounts. I have 2 chargeoffs equalling around 7 thousand dollars, one of which went into a judgement which they have not started to collect. The lawyers, Javitch and Rothbone out of cleveland(something like that) haven't started taking the money out yet because i had another judgement which I paid off(or the govt took money out) of my paycheck and they are trying to say I still owe them money. I work for the FAA and they are very good in the human resource department and sent them a letter saying they aren't taking anymore money out of my account because I satisfied the judgment, which I did. So, my credit report shows 2 judgements and that neither are satisfied, even though one is actually satisfied per the judges monitary payment authorization.My credit is in the 650-680 range on myall my credit reports as I have taken out loans and continously paid them off and I have 3 credit cards and 5 store cards. All have no balance and have good limits(6,000 - 20,000 range). We will probably have around $20-30,000 saved up for the downpayment, so what I am asking is there a certain type of loan or a certain time of loaner we can get a loan on??? They house we want is audited at $400,000, but we work with the guy that's selling it and we are expecting to get it in the $280,000 range. Is that a feasible price, as I know we have the income and we can raise more downpayment if we need to(we can save 4-5000G a month). We both have minimal debt to income as well. I have nearly none other than the 2 chargeoffsThanks for the input i appreciate it! by Helpmewithmyloan from San Jose, California. Aug 26th 2009 Reply