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  1. Well, my husband and I have been working on getting into our first home for over a year. I have mostly just been working on getting his credit fixed. It was very low 500's when we started this journey and I have it up to the mid-high 600's now. Last I checked our broker said his qualifying score is 657 and mine is 770. We had been thinking about getting into a loan under my income alone, so his score wouldn't affect our rate, but that puts our loan at a max of about 200k with our 10% down payment. We are hoping to go just a little higher, at about 210-240k and so here we are trying to figure out the best course of action to deal with his credit. We were told if we can get his score up to 680, if would help with the interest rate quite a bit. But the main issue is, he has an old charge off from a car he co-signed on with his ex that was repo'd in 2008, for about $6000. Anyone know if we might be able to qualify with that charge off? I am considering offering a PFD, and see if we can handle it that way, but I want to make sure we look at all the options. He does have a couple other paid charge offs that I am made the mistake of paying before I found this site (still kicking myself!). So, I am trying to see if we can get those deleted somehow, as well.

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