My husband and I filed for bankruptcy just over 2 years and have not acquired any new debt since. We reaffirmed our cars , that have made us pay it forward and will be paid soon. Here is my question: Our house was included in our bankruptcy and it was only on my behalf , however , we still live here because I can make one payment each month , but were told they could throw us almost any time ( the loan is 60 days late , we were told that we will drive the 120 days most likely) , but we can not afford to live here and my house is now worth $ 120,000 maybe $ 40,000. Anyway , have a student loan debt up the wazoo until after medical school , but my husband has none besides $ 3,000 left on a car loan that I have with him and he has a 690 credit score and excellent income . So we're thinking of putting a new house in his name and it seems that he should be able to be approved for an FHA mortgage , but wonders if it will be a problem , since technically do not pay a mortgage or rent payment ? I pay and is 100 % on my behalf . Other than that , he / she has enough funds for payment and obviously seeking credit . I have no fear of paying rent / mortgage will give us a hiccup .
