http://www.zillow.com/advice-thread/i-would-like-to-know-how-to-get-a-mortgage-my-husband-has-been-in-the-union-for-23-years-but-always/244208/ Zillow Advice | Zillow Real Estate http://www.zillow.com/advice-thread/i-would-like-to-know-how-to-get-a-mortgage-my-husband-has-been-in-the-union-for-23-years-but-always/244208/ As long as the credit cards have been used over the past 6 months I would expect by now that he should have at least 2 scores reporting which would be required for him to qualify.&nbsp; Assuming the card balances are low and payments have been made on time the scores should be pretty good.<br/><br/>I would recommend working with a seasoned <a href="http://www.zillow.com/mortgage/">mortgage</a> banker to get pre-approved before starting to shop for a home.&nbsp; They can make sure scores are there and determine a price range of properties to look at.&nbsp; (If you have minimal funds for down payment I would recommend an <a href="http://www.zillow.com/fha-loan/">FHA</a> loan.)<br/><br/>If you are a 1st time homebuyer you should close on a home before Dec. 1 to take advantage of the $8,000 tax credit.<br/><br/>Good luck to you! Tue, 09 Jun 2009 18:05:00 GMT http://www.zillow.com/advice-thread/i-would-like-to-know-how-to-get-a-mortgage-my-husband-has-been-in-the-union-for-23-years-but-always/244208/ 2009-06-09T18:05:00Z