sold! I have more questions for you please?

Question

if I'm have a repo and a jugment on my credit will they let me get a loan with a co signer with 700 credit score the repo been on there for 2 years

Answer 1

I would never ask or be a co-signer. You risk your whole future on the person you co-sign for.
It would be better if you/they co-owned the home and it be written that you had exclusive use, and obligations of the house.
However If you showed you were failing to maintain your obligations they could force you to forfeit your ownership. They then could dispose of the property as they needed.
Both parties should be guided by some conditions or time line which would require you to re-fiance the loan to free them from the obligations.

This should be done through a Real Estate Attorney as conditions before purchase.

Answer 2

To be honest with you....depending on what your scores are now, you can get a loan NOW. If your score is over 620, you will qualify for 100% financing on a mortgage.
If you're looking to go FHA, you would have to pay those OFF before you can get financing, even with a co-signer.
Unfortunately, most, if not all, mortgage loan programs that allow co-signers require that co-signer to be moving into the property with you for it to be considered an owner occupied residence. Otherwise, they will not allow non-occupant coborrowers to be on the loan. The lenders that DO allow non-occupant coborrowers will require that your collections and bad debt be paid.
Hope this helps!