my low credit, his high credit, my higher salary, is lower one...

Asked by Mckensie Gray, York, PA Mon Feb 4, 2013

As you can see I have a pickle to deal with. I make more but his credit is better. is there a way to have my income included without my credit being included for a mortgage?

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Ryan Reed, Agent, Elizabethtown, PA
Thu Mar 14, 2013
I have a couple of questions:

1. Why do you have lower credit? If you don't know, find out.
Talk to a mortgage lender and find out what you can do to fix things (paying things completely off
can sometimes hurt you, paying the debt down can sometimes be better)
Any good mortgage lender can guide you. If it's a simple fix, you can get a rapid re-score!

2. Have you given any thought to getting a credit card to a "gas station"? Charge only your gas and
pay if off in full each month for 2-3 months. This builds credit quickly. You have to buy gas so why
not help your credit at the same time.

Any further questions or want someone to help, I can refer you to a great mortgage lender who can help! or 717-512-0097

Hope this helps!
1 vote
Jack Wittmai…, Agent, Lancaster, PA
Tue Feb 5, 2013
No, not to my knowledge. Both credit backgrounds need to be considered if both incomes are to be used in mortgage qualification.
0 votes
Bob Kruppenb…, Agent, Lancaster, PA
Tue Feb 5, 2013
Feel free to give me a call, I can put you in touch with local lenders that can make recommendations based on your specific situation.

Thank you,

Bob Kruppenbach
Weichert Realtors-Engle&Hambright
1810 Oregon Pike
Lancaster, PA 17601
ofice- 717-291-1041 ext 3018
cell 717-575-0906
0 votes
Josh Barnett, Agent, Carney, OK
Tue Feb 5, 2013
Not really, go sit down with a local lender in your city or home town and they may have some strategies to boost your credit where you need it.

Best of Luck
0 votes
, ,
Tue Feb 5, 2013
Hello Mckenzie,

If we use your income we use your credit score too. However sometimes there are easy fixes to a low credit score. Why don't you give me a call and see if we can improve your score.

Alan Openshaw
Cornerstone Lending Inc
Southampton Pa 18966
215 953 0800
cell 267 992 7276
NMLS ID 143960
0 votes
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