Will My Bad Credit Affect My Husband Buying A House Online

Imagine Sarah and Mark are ready to buy their first home. Mark has a stellar 780 credit score, but Sarah’s score is 580 due to old medical bills and high credit card balances.

The lender pulls both of their credit reports. Instead of averaging their scores, they use the "lower middle score" between the two of them. will my bad credit affect my husband buying a house

Sarah and Mark decide to apply together because they want to use both of their salaries to qualify for a larger, $500,000 home. Imagine Sarah and Mark are ready to buy their first home

Whose Credit Score Is Used on a Joint Mortgage? - Chase Bank will my bad credit affect my husband buying a house

Determined to get a better rate, Mark decides to apply for the mortgage on his own.