S.E.
Some of the things I am about to say has nothing to do with you personally. I do not know you or your situation but I do something about mortgages because my husband is a carpentry and we have had a few mortgages in our lives and right now is a very bad time for getting a mortgage.
Do not rely at all on the on-line information. Until you fill out some forms there is no way they can tell what you are eligible for.
I would go talk to a mortgage broker. They would be able to tell you if you are eligible for anything.
You can try your bank but it would be very doubtful because of what is going on withe the US banking systems right now. With a bankruptcy and your outstanding loans I do not think you will be eligible with a bank loan. I think you would need to go somewhere that specializes in acquiring mortgages and that would be a Mortgage Broker.
As far as transferring a loan from one name to another. That would be a no. No lending institution that I know of would just transfer a loan from one name to another. You would have to qualify for the loan.
What you might be able to do is get the grandparents to cosign the mortgage that way the bank would be guaranteed their money. If you were to default on the loan they would have his grandparents to pay it off. The one thing with doing that is that if they are elderly the banks would want to hold some of his grandparents assets in an escrow of some kind so if they were to pass away they would have that money to fall back on just in case you were to default on the loan. (Not that you ever would but the banks need to cover them selves)
Do you or your husband qualify for a VA loan??
That is a much easier loan to get but you have to be a veteran.
I can give you a name of a mortgage broker if you would like. She is out of Dundee I think. She use to work at our local bank and moved to a broker.
S.