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I have fico score of 692;spouse score is 590 our incomes are over 150k together can I get a loan

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July 05 2009 - Antioch
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Sean...I know you are busy in Illinois but please take time to read the post at the top of the threads about SPAM and Self Promotion.
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July 09 2009
It is possible to get qualified. You would need to go through the application process which takes about 10 minutes or so. Give me a call if you would like a free proposal.

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July 09 2009
The short answer is yes you can probably still get a loan.  

If you have enough income to qualify based on your credit without your spouse than you will be able to get a better rate. 

If you need to add your spouse for income qualifying than there will be some factors that influence or prohibit the type of financing you are eligible for due to the lower score. 

More information needs to be provided such as:

-are you trying to purchase a home or refinance your existing?
-if purchasing do you have a down payment? 
-if refinancing are you getting cashout or just a lower rate?
-are their any major derogatory lates on your spouses credit; mortgage lates, auto loan lates in last 12 mos.?
 
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July 05 2009
 
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