It's possible they could, yes. That's another reason why all of the "just file with your insurance" comments are absolutely horrible advice. There is no reason at all to file with your insurance at this time. Let the at fault party's insurance finish their investigation and go from there.

>Not really a marital status issue.

Yes, it is. Highly illegal and a good way to end up with multi-million dollar fines and increased federal oversight among other possible issues. Fun thing about reguatlors is when they find one significant regulation violation, they go fishing for more.

>It’s more of an issue where the bank already knows the credit history of one party who will be cohabiting the home, even though they aren’t on the loan.

If they're not on the loan, then they're irrelevant to the underwriter. Doesnt matter if they plan to live in the home or not. She could put him on the title to the property and his credit history would still be completely irrelevant as long as he isn't on the loan.

I would talk to different lenders. Many only have a 2yr look back for bankruptcy, so the fact it was in 2019 should still allow you to do a conventional loan through many other lenders.

Does your wife not have any other debt? Just a quick back of the envelope calculation, the PITIA on a $320K mortgage would be just a hair under the DTI requirements for most lenders (43%), which doesn't really give her much room for any additional debt in her name.

That said; there is nothing inherently wrong with the loan being in just her name if it's advantageous for PMI rates. She is taking on the financial risk, however. She would be wise not to put you on the title. If things don't work out between you and you're on the title but not the loan, you are entitled every bit as much to the house as she is without any of the financial obligation.

>You might run into a problem where underwriters know you are getting married in 6 months.

Underwriters can not take marital status into consideration in the underwriting process. This is expressly forbidden by both the ECOA and FHA.

>costs of cash money because there isn't a single fee like there is with card payments

There can be. Some banks will charge commercial deposit customers a fee for their cash deposits based on the amount of cash being deposited (usually once they cross some threshold, such as $.0075 per $100 for cash deposits exceeding $10,000 during the statement cycle). Then they will also be charged by the bank for change orders to replenish their cash drawer and keeping appropriate change on hand.

I read an article once where the headline was something like "Lord of the Flies Plays Out Inside Trump's Inner Circle" and then what the author went on to describe was nothing like Lord of the Flies.

But, had I not read Lord of the Flies, I wouldn't have known that. So in the moment I felt like my purpose was achieved.

I'm not a natural reader. I didn't read a book cover to cover until my mid 20s (yes I just lied my way through every book report and reading assignment through school). I read (non-fiction only) for about 2 years during my lunch breaks only because I worked out of town. This was in the pre-smartphones days.

I started reading again about 4 years ago as a mid-life crisis. With the political atmosphere in America, pundits and media were making references such as the "Orwellian times" we were living in, and I didn't get the references because I'd never read the books. I felt at my age I should be more aware, engaged and "cultured", so I started reading those books. My interest waned for about 6 months during that time, but otherwise I've been fairly avidly reading.

So, for me, given my overall lack of natural interest in reading anf historical lack of doing so, I do view each book as an accomplishment. I do look at the bookmark marching through the book with a sense of achievement. I just started using Goodreads this year to track every book I read, and I look forward to logging the accomplishment each time I finish a book.