Posted by Mike (NY) on August 21, 2003 at 15:23:34:
Have you had a tri-merge done on both yourself and your wife? If you are going to shop for a lender I highly recommend you doing this, and providing it to whichever brokers you choose so they each do not have to run your credit. You will save your credit score, and quite possibly any chance at a good rate.
If you have fairly good scores it should be possible to do 90%-95%. You will still need 5% down, plus closing costs for this scenario unless you are able to negotiate a sellers concession for part of the closing costs. Feel free to contact me.