My wife and are trying to rebuild credit to get a mortgage... Here is our story:
Wife's....
Father fucked up her credit by stealing her student credit card long time ago... We been trying to rebuild her credit... started by paying off the debt her father created, got a secure credit card (Capitol One). Did the Capitol One for 7 months and then BMO send us one of those "You're approved!" letters... Wife applied got approved for a $1000 Mosiac card... been REALLY good about paying that. Wife only works 1 day a week, at the end of this month she will be joining me at my company. Will start at $14/ hour and 40 hours a week.
Me....
Declared bankruptcy 10 years ago over bad advice... didn't pay my bankruptcy fees. Trustee locked me in "sunny di". Just recently contacted trustee... currently working with trustee to exit out of bankruptcy and entering into a proposal. My employment record is been with this company for 8 months full time... $14/hour
So my question is WHAT can I do or HOW can my wife and I get approved for a $500,000 mortgage?