Applying jointly for mortgage - who's credit score?My fiancé and I each make around $70k/year and have almost no debt. My credit score is around 610 but hers is 715. We are trying to apply for a $250k mortgage but are unsure about the best way to apply. I have gotten mixed answers on who's credit score will be used. I've heard the middle of the lower score will be used and I've also heard the score of the person with the higher income will be used. Can someone please clarify and make a recommendation on the best way for us to get approved? FYI - she cannot qualify on her own. She has only been at her current salary for the past 6 months.November 05 2013 - Orlando00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.