Answer: -You will just have to shop around for the right loan. One thing the lenders will ask is if you were Released from the Bankruptcy...Then too sometimes with husbands and wives if one or the other has bad credit they will finance the property with using 1 or the other on the loan and the note and not putting the other on the loan but putting them on the Deed to the property...You just need to check around for the right lender and explain all the situation in person and take your co-borrower along... -Yes, I was in the same situation. You'll end up getting a higher interest rate, but you can always refinance after a year.Sometimes it's easier to shop with a local lender. They can find programs to help you that the online place wouldn't even bother with. -Absolutely and positively, yes. Having a co-signer will increase the likelihood of your getting a better rate as well as the opportunity to get a loan in the first place. It's a free country. You can ask anyone you want to cosign the loan. There is nothing rude about it. -Yes, but you may have a high rate. I've never known anyone to have perfect credit, but as long as their income can cover all the debt then you can get an okay rate. It also depends on whether you and your co signer has worked the same occupation for at least 2 years straight.