[bri1982@rocketmail.com]

My fiance and I are looking to purchase our first home. I have credit scores of 561, 594 and 614 with an annual income of $55,000. My fiance has credit scores of 689, 738 and 738 and an annual income of $32,000. The credit scores are from the 3 major bureaus. We have roughly $4,000 to put down. We are considering the option of building new at a cost of roughly $160,000 or buying a fixer up for around $80,000. Will we be able to get qualified for a mortgage? If so how should we apply, with her primary and myself secondary? Thanks for any help.I also forgot to add, my debt to income ratio is around 28% and hers is around 20%.Our other option is to purchase a lot in a new development and then rent an apt. while saving for our downpayment. The lot is 3/4 acres in a new development and costs $33,000. Will we get approved for that?