What to do when one spouse has good-credit, low income and other has bad-credit, high incomeI am looking for advice on how to go about getting a home loan (joint application or one spouse by themselves) and how much we can borrow for our future home. Here are some data:First time homebuyer$10,000 downpaymentSpouse A:800+ credit65K annual income$575 monthly payments on long term debt (car and student loans)Minimal revolving balanceSpouse B:Middle FICO score 630 (co-signer on two delinquent student loans)95K annual income$400 monthly payments on long term debt (car)Minimal revolving balance (Less than $2000)Thanks,MikeDecember 20 2011 - Town of Oswego00YesReport 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.