Need to consolidate mortgage and home equity loan into refinance
Considering all information you provided is verified, and credit is reviewed to make sure no issues are on it such as liens or judgments, you should be able to get a favorable rate on a new loan note. Keep in mind cashout refinance rates are not the same as new purchase rates in the same case scenarios due...

Can we buy a 65k home with a 50k combined income?
depending on this information being verified and true, and also US citizenship of your wife to be able to use her, you should be fine. Credit report and basic information needs to be obtained so an accurate loan scenario can be worked up by a loan originator, so that your terms and rate can be discussed...