Me 2yr discharge December 2003 Girlfriend of 11yrs discharge December 2004 Both of our FICO scores average on 6 reports very high 600's. We can't wait for her to hit the 2yr discharge From what I have heard she can't really help out by being on a mortgage so maybe I should do it this way to qualify for one. Right now car payments and total debt $0 Max out all of her current credit cards and do a max loan on her 401k. Do a stated income mortgage in my name only. At that point I would probably have enough cash for a down payment and my debts would look like $0 and my FICO score would stay high enough. My income is around 35k and hers is around 20k Try for something around 170k total. I think the the best way to qualify by myself would be a stated income mortgage? 6 years at job, stated but not checked income, and credit reports checked. Is this a dumb idea or have any suggestions?