GREAT QUESTION:

I am assuming you are speaking about purchasing a home together? The usually taken of the lowest mid score of both parties.

Lynn911
~ National Featured Realtor and Consultant, Lecturer regarding Credit Repair, Mortgage Loan Officer

Hi Gwyenth

I'm not sure I understand your question fully, but I think what you mean to ask is "What happens when one borrower's credit score is higher than the other's and the spouse has a lower credit score?" Is this accurate??

To answer that question, lenders always use the lower of the two borrowers' scores for the purpose of qualifying and determining a rate. For example, if a husband has a credit score of 750 and the wife's is 650, the lender will underwrite the file as a 650 credit score. A way to get around this is to only have the spouse with the higher credit score on the mortgage. Of course, then you would not be able to use the other spouse's income towards qualifying.