If your bk is over 24 months since closed, FHA may be able to refinance. Are either of you veterans? I'm a loan originator and not looking for your business but will be glad to assist you. I wasn't sure if you were able to renogiate on your second? If so, believe it or not, that's the hard one. Please feel free to correspond with me via my personal e-mail, kah335@aol.com