home loan? I filed Chapter 7 last summer in '06 and it was discharged in February of this year '07. I gross just under 50k a year. She makes about the same as a LPN. I'm an union utility worker. Both incomes are verifiable. My question is can she use my income and apply for a loan or does my name need to be on the loan application also. The reason I ask is we were told that even with her FICO score being at 685 and 8k for a downpayment we couldn't get a loan together because of my BK. Her debt to income ratio is high already because she has a very nice vehicle leased and a old car payment merged with the lease payment. She can't qualify for 140-150k loan we are wanting. Any suggestions or sites that may be able to help would be greatly appreciated.

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