Home Buying in West Virginia>Question Details

Betsyblatt717, Renter in West Virginia

My fiance and I are looking at buying a home. My credit is poor, I recently checked my score and it is 599. His is 675 .

Asked by Betsyblatt717, West Virginia Thu May 3, 2012

Will my lower score help to increase the amount we qualify for? Will it just be detrimental to us applying together? Should he apply by himself? We both have good jobs and I am working to rectify the damage I have done to my credit.

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If he can qualify with out your income, then you should have him apply. This will however effect how much of a house you can purchase since your income is not included. I would seek the advice of a mortgage broker and work hard on bringing your score up. In 30 days, you might be able to move your score up by resolving some minor issues on your credit report. Then your income could be used to increase your buying power. Good Luck!
0 votes Thank Flag Link Thu May 3, 2012
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