I have several lenders that can help you decide. Let me know if you need their names.
If one of you have less than qualified credit then only use the the better credit.
However if the one with good credit is showing all the income then that person's income cannot be used.
So you must have good credit and income... to be considered for a loan.
There are special programs for buyers that can help you get into a home in NJ
Some allow help with down payments and closing costs
others which allow repairs to be financed into the mortgage.
and some with no money down options...
Any further questions contact me.
Search foreclosures and short sale here: http://www.BuyNJShortSales.com
Search the MLS on your phone by Text: In the subject line on your mobile phone- LSAR1 -to number 87778 ... hit send... A GPS feature for listings at your finger tips
Larry Sarlo When you want it Sold Fast!
609-868-1171 call / text / email 7 days
415 Egg Harbor Rd st 9 Turnersville, NJ 08080
Eric Axelson, Associate Broker
Kurfiss Sotheby's International Realty
Your mortgage professional will be able to guide you on the best way to apply. If you are not currently working with a professional, get in touch and I will send you a few names.
Best of luck,