Down but not out yet...

[Karen]

Hey, you know we all have your back here! Do ask at your own bank, explain the situation to a loan officer, and maybe they will find a way to accommodate you. Have all your insurance and everything with you, so you can prove what a low-risk person you are. And ask, if they turn you down, how long you have to wait until you are clear of your ex's influence on your credit, and if there is anything you could do to speed that along.

You could also ask the realtor for any of the houses you are looking at whether the current owner would consider giving you the mortgage him-or-herself. You do sometimes see "owner financing available" in real estate situations.

[Queen of Poop]

Hey, you know we all have your back here! Do ask at your own bank, explain the situation to a loan officer, and maybe they will find a way to accommodate you. Have all your insurance and everything with you, so you can prove what a low-risk person you are. And ask, if they turn you down, how long you have to wait until you are clear of your ex's influence on your credit, and if there is anything you could do to speed that along.

You could also ask the realtor for any of the houses you are looking at whether the current owner would consider giving you the mortgage him-or-herself. You do sometimes see "owner financing available" in real estate situations.

Thanks Karen. I will be going one step further with my documentation. I have the arbitrators award that puts the entire onus on him for his finances, all he gets to do is use my name. All the bank needs to do is actually READ the document.

Thank you to you and my entire PT family. Loves you all!!