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I'm getting married in July, but my fiance and I want to buy a home this summer. We live with family, I have about $5k for a down payment which would be 3.5% of 150k. We're looking to buy in the Sacramento area and would like to get preapproved for an FHA loan. My credit is not great...low 620s. His is a bit better, 670 or so. I'm employed, but he isn't. My question is, should I wait to get preapproved so that we can cosign on the house after we get married, or will his being unemployed be really detrimental to our application?
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You should wait until you have a financial plan and understand how owning a house fits into it.Little things, like not currently having employment, need to be factored in. For example, what happens if employment is found...on the other side of the county from where you just bought a house? Or, if after 3-or-so-months that job just isn't working out?There is a lot to be said for the freedom/flexibility of "not owning" when starting out a new life, complete with careers and all the other add-ons.
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