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can I refinance if my husband and I have different credit scores. His is 760 mine is 620

  • November 30 2012 - North Olmsted
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Answers (3)

You should be able to get approved at 620 score but they are changing it to 640. I would just do loan in his name or wait til you are at a 640 so you get better rates.
  • March 26 2013
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Most lenders use the middle score and the lower of the two borrowers. With most lenders you need a middle score of 640 to qualify for an FHA loan. As Geofrey stated if your husband can qualify on his own you should have no problem.

  • December 01 2012
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Would your husband be able to qualify for a refinance on his own?  620 fico score i'm sure there are lenders that offer a product for this scenario but if he is able to on his own that would be the best scenario for a great rate.

  • November 30 2012
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