The long and short of it is no. In qualifying for a mortgage we must consider the credit and income of all applicants on the mortgage.

Speak with a local, reputable lender and they should be able to tell you what type of programs and for how much you'd qualify

Best of luck

You don't get to mix and match on income and credit scores when applying for a home loan. The lender can advise you best whether to include both of you, or get the loan using only one of you as the applicants. I purchased our last home while my Husband was in Iraq. He was making more money, working as a government contractor at the time, but I had 7 years of self-employment and documented income, with better credit scores. The lender will give you the options open to you. Don't be fearful of having a good loan officer run your credit and give you information. There is no judgment out there. Just assistance. And, there are things you can do in 30-60-90 days to improve your Husband's credit score and debt capacity that will start to show results in 30 days.

Have a blessed day!
Ronda



Ronda Allen
Realtor, Life Coach, and Certified Purchasing Manager
RE/MAX Dallas Suburbs

Ang:

This is a question for a lender, however it is my understanding that the credit scores combined with the income of that person is part of the formula that is used in the loan process, you don't get to mix and match.
A good lender can help you with determining what is the best course of action for you and your spouse.

Good Luck:
Diana 909-945-5763