Zillow Advice: Home Buying - Will his credit hurt our chances to purchase a home if we marry before we purchase a home? http://www.zillow.com/advice-thread/Will-his-credit-hurt-our-chances-to-purchase-a-home-if-we-marry-before-we-purchase-a-home/522908/ Zillow Advice | Zillow Real Estate If his credit will hurt you ... http://www.zillow.com/advice-thread/Will-his-credit-hurt-our-chances-to-purchase-a-home-if-we-marry-before-we-purchase-a-home/522908/ <p>If his credit will hurt you in the mortgage application, then it is still possible to apply under your name alone even if you are married. This means that only your finances will be looked at. His income and credit will not be considered if you apply under your name only. If you would like to add his name later on, you can refinance when the time comes. Either way, the best thing for you to do is to speak with a lender directly to see if you can get started on financing with your situation. There are lenders like myself that would be glad to speak with you to help you get the loan that you need. Well I hope this helps! If you have any further questions or if you would like a loan, feel free to contact me.<br/><br/>Good Luck!</p> Tue, 31 Dec 2013 22:04:00 GMT http://www.zillow.com/advice-thread/Will-his-credit-hurt-our-chances-to-purchase-a-home-if-we-marry-before-we-purchase-a-home/522908/ 2013-12-31T22:04:00Z One of the biggest issues ... http://www.zillow.com/advice-thread/Will-his-credit-hurt-our-chances-to-purchase-a-home-if-we-marry-before-we-purchase-a-home/522908/ One of the biggest issues that causes discord in marriage is money issues.&nbsp;&nbsp;&nbsp; I'd suggest the two of you start working on this subject together and come up with a strategy together well before the day you tie the knot.&nbsp;&nbsp;&nbsp; At the moment, there is no "we" in your description of who wants to buy a home, simply "I".&nbsp;&nbsp; Work to get the "we" in finances before moving forward with home purchase. <br/><br/>Good luck &nbsp; Tue, 31 Dec 2013 20:37:00 GMT http://www.zillow.com/advice-thread/Will-his-credit-hurt-our-chances-to-purchase-a-home-if-we-marry-before-we-purchase-a-home/522908/ 2013-12-31T20:37:00Z Depending upon the loan program ... http://www.zillow.com/advice-thread/Will-his-credit-hurt-our-chances-to-purchase-a-home-if-we-marry-before-we-purchase-a-home/522908/ Depending upon the loan program you wish to use and the size of your down payment you could purchase a property after you're married. &nbsp;However, you will have to qualify using only your income for debt ratio purposes. &nbsp;If you use an FHA loan then you will have to qualify using joint credit and consequently if your fiance's mid-credit score is below a certain threshold, for instance 640, then you may be ineligible to purchase. &nbsp;FHA requires married couples to cover all credit for themselves and their spouse even if the spouse is not part of the purchase transaction. &nbsp;Good luck and Happy New Year. Tue, 31 Dec 2013 18:50:00 GMT http://www.zillow.com/advice-thread/Will-his-credit-hurt-our-chances-to-purchase-a-home-if-we-marry-before-we-purchase-a-home/522908/ 2013-12-31T18:50:00Z If you live in a community ... http://www.zillow.com/advice-thread/Will-his-credit-hurt-our-chances-to-purchase-a-home-if-we-marry-before-we-purchase-a-home/522908/ If you live in a community property state his debt can certainly hurt your chances of buying a home if you marry before purchasing a home. What state do you live in?<br/> Tue, 31 Dec 2013 18:16:00 GMT http://www.zillow.com/advice-thread/Will-his-credit-hurt-our-chances-to-purchase-a-home-if-we-marry-before-we-purchase-a-home/522908/ 2013-12-31T18:16:00Z