Finacning For home home joint mortage...

My boyfriend a I are wanting to purchase a house that we have found but there are some minor issues. Two years ago he filed bankruptcy and has been slowly building his credit back up. He makes more than enough money and has no debt. So of course he has no debt to income ratio. I on the other hand when I was divorced my ex-husband was suppose to according to divorce decree have the house re-financed into his name or assume the current mortgage. Needless to say he has not done this so I have a mortgage that is showing on my credit and I can do nothing about it. (my attorney is taking him to court and filing motion of contempt). I also just recently located to another state because my boyfriends job relocated us. Therefore, I do not work and will not have to either. But will get a job if it would help us with getting the house.My question is this.My boyfriend has more than enough income to support our debt to income ratio but his credit score is low. I on the other hand have an 822 credit score with this mortgage on my credit and a small credit card balance. We both have 401k and pension plans etc.Helpful and polite Advice would be appreciated. Oh and we do have the money for the down payment.We are in Texas... His credit score is between 450 - 525... by Charred from Odessa, Texas. Jul 12th 2011 Reply