Seeking An Answer To An Impossible Situation

[Karen Paul]

What are some possibilities for securing financing now for a $499,000 house with the following "obstacles"...

1. I just filed bankruptcy;
2. I am a physician who has taken time off to raise a young child. I have a new employment contract in hand and will be making $350,000/year, but I will not start this new position for three months;
3. My fiance makes $63,000/year. His credit is average (~640);
4. The homeowner is unwilling to do a lease/purchase.

I'm looking for a solution now because I do not think that this particular house will remain on the market for very long.