Can my girlfriend and I co-sign for a loan?

Unfortunately, a co-signer will not overcome a bankruptcy on your record. Most lenders will require a minimum of 3 years of perfect credit performance post-bankruptcy before considering someone for an investment property loan. There are some lenders that do consider borrowers with one-day out of bankruptcy, but the pricing is outrageous and typically required significantly more than the standard 20% down on investment property. You should use this time to do some serious credit report clean-up to get yourself ready. Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ Certified Mortgage Advisor and Certified by The National Association of Mortgage Professionals as a Certified Veterans Lending Specialist.NEXA is licensed in all states except MA and NY so give us a call. ~ www.ApplyYes.com 480-889-9000 - OR - 480-695-9300

Sorry, doesn't work that way. Adding her to your application, and it will still get denied because of the bankruptcy for the next few years. A good credit applicant will not offset a poor credit applicant. Good luck. I lend in MN, WI, IA, SD, ND. Find me at JoeMetzler.com - Cambria Mortgage, NMLS 274132