<prompt> Human: My wife is rocking about a 780-800 credit score. She owns the house were in now, with about 15-20K in equity. Shes never missed a payment, her credit is great, and doesnt seem to have any problems getting loans.I, on the other hand, have had a rough past. I was caught in the economic boom of 2003-2005. Had a great job, new car, new house, new wife... then in 2008 everything went to hell. I lost everything, claimed bankruptcy, and divorced. The bankruptcy was signed by the courts in 022009 as well as the foreclosure.Since then, Ive been able to rebuild. I remarried, have about a 630 credit score, moderate debt to credit ratio, and have paid everything on time. However, I know Im screwed for awhile due to the forclosure.Were looking to buy a house between 230 and 290k. She makes about 85k a year, I make 56k, so together were at about 136k annually. I have a couple of questions on how to proceed.Will my income be considered if I do not sign on the mortgage?Can I sign on the mortgage?Is it even worth considering me to co-sign? Am I doing more harm than good?Were getting ready to put our house on the market and want to know what to expect. Are we setting our expectations too high? Did I blow it for us?  <response>: Definitely go with the credit union.Living in MA. My wife and I bought a house while I was an unemployed college student, returned to college at 30. I have excellent credit, but had no income. We went through a credit union and she has all the debt in her name alone, although I own a of the condo.As I had no income, it was NOT included on the loan application. You dont need to sign the mortgage, but you might want to sign the deed. The documents for the LOAN and the documents for ownership of the house are two different things. Keep that in mind.You absolutely cannot EVER be a cosigner with a bankruptcy on your credit bureau report. I used to be a credit analyst at a private student loan company. Bankruptcy NO NEW CREDIT.TL;DR: First hand experience, if youre not on the loan your income does not get counted. You did not blow it for her. 