Zillow Advice: Mortgage Types - I have decent credit, but my husband has horrendous credit. Should we even attempt to get a mortgage http://www.zillow.com/advice-thread/I-have-decent-credit-but-my-husband-has-horrendous-credit-Should-we-even-attempt-to-get-a-mortgage/504172/ Zillow Advice | Zillow Real Estate You should work to get prequalifed ... http://www.zillow.com/advice-thread/I-have-decent-credit-but-my-husband-has-horrendous-credit-Should-we-even-attempt-to-get-a-mortgage/504172/ You should work to get prequalifed by a licensed mortgage person in your area.&nbsp; Credit is a important piece of financial information for the mortgage process.&nbsp; In CT, the mortgage lenders I broker to will use the lower middle fico score of 2 borrowers.&nbsp;&nbsp; Starting the process with a&nbsp;mortgage person&nbsp;to get your credit scores will allow you to&nbsp;understand where they are currrently. Then if they are to low you will have your credit report to work on&nbsp;those specific credit&nbsp;items for the future.&nbsp; Good luck. Tue, 27 Aug 2013 21:58:00 GMT http://www.zillow.com/advice-thread/I-have-decent-credit-but-my-husband-has-horrendous-credit-Should-we-even-attempt-to-get-a-mortgage/504172/ 2013-08-27T21:58:00Z Unfortunately, his report ... http://www.zillow.com/advice-thread/I-have-decent-credit-but-my-husband-has-horrendous-credit-Should-we-even-attempt-to-get-a-mortgage/504172/ Unfortunately, his report history is not attractive, either. We are working on getting his accounts up-to-date, but figured it would be much easier if we could invest our money at the same time! Thank you for the advice, I just needed some feedback to guide us to our next goal. Mon, 29 Jul 2013 20:05:00 GMT http://www.zillow.com/advice-thread/I-have-decent-credit-but-my-husband-has-horrendous-credit-Should-we-even-attempt-to-get-a-mortgage/504172/ 2013-07-29T20:05:00Z "horrendous" may have a number ... http://www.zillow.com/advice-thread/I-have-decent-credit-but-my-husband-has-horrendous-credit-Should-we-even-attempt-to-get-a-mortgage/504172/ "horrendous" may have a number associated with it.&nbsp;&nbsp; A lender can't lend to those with really low credit because it shows that there is no history of responsible use of credit.&nbsp;&nbsp;&nbsp; Put together an action plan to improve it, and save up a great down payment plus closing costs plus an emergency fund.<br/><br/>I'm sure you can find a great house to rent while you are following the action plan.&nbsp; Home buying is not an emergency.&nbsp; <br/><br/> Mon, 29 Jul 2013 17:38:00 GMT http://www.zillow.com/advice-thread/I-have-decent-credit-but-my-husband-has-horrendous-credit-Should-we-even-attempt-to-get-a-mortgage/504172/ 2013-07-29T17:38:00Z The words "horrendous credit" ... http://www.zillow.com/advice-thread/I-have-decent-credit-but-my-husband-has-horrendous-credit-Should-we-even-attempt-to-get-a-mortgage/504172/ The words "horrendous credit" does not sound too good for you. You won't know until you actually apply for a loan and they can review the credit report. A score is only one part, its&nbsp;the information that&nbsp;the actual report contains that matters. Mon, 29 Jul 2013 17:35:00 GMT http://www.zillow.com/advice-thread/I-have-decent-credit-but-my-husband-has-horrendous-credit-Should-we-even-attempt-to-get-a-mortgage/504172/ 2013-07-29T17:35:00Z