I am looking to see what loans I could qualify for to purchase a home. I am 1 1/2 years post -discharge for a Chapter 13. We had a child die causing us to be out of work & eventually my husband having a complete breakdown & being out of work for 2 years. We filed in July of 2011 & were discharged in August of 2016. All Chapter 13 payments were on time. We have a 3 1/2 year On time rental home history following the sale of our previous home. We were not involved in a foreclosure. Our home sold & home loan was paid in full. Profits were paid to Chapter 13 trustee toward the debits included in the Chapter 13.
I have been at my current job for 4 years 8 months. My husband has now been working again for almost 4 years. Combined income is $190 K & both have credit scores of about 700. Looking for a home in the $250,000 - $300,000 range. We could pay $16,000 down.