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Lender rating
Since February 2009
I would recommend working to get your husband's score above 600. You are not that far off. As previously mentioned, they will use the lower of your scores.
Sit down with a LO and they will help you get there. If they won't, then find a different LO. Many are willing to help.
Good evening,
Lenders do not allow the use of income from one person and the credit scores of another. However, your husband would qualify for a VA mortgage since he's active duty. VA loans have relatively lenient guidelines and allow for lower credit scores. My lenders require only a 600 score for VA loans and, your husband isn't far off from that. Other lenders could have lower score requirements on their VA loan products.
If I can assist in any way, please don't hesitate to let me know. Enjoy your evening !
Lender rating
Since September 2009
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Using wifes credit and husbands income to qualify for a mortgage?
slumpiesz
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