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Tom Bawany | Mortgage Loan Originator | NMLS #519971[Spam and self-promotional content removed by Zillow moderator due to violation of Good Neighbor Policy]
The middle scores of both buyers will be the scores used. A score of 610 will limit you on most programs.If she was promoted to a salaried position of $70,000 than you should be able to use that income. Qualifiying under her name will also depend on the amount of debt that she has. This may be the reason your lender is saying that she does not qualify by herself.
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For Sale: $160,000
For Sale: $130,000
For Sale: $88,000