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1 Can I Buy a House If My Spouse Has Bad Credit? - Experian
https://www.experian.com/blogs/ask-experian/can-I-buy-a-house-if-my-spouse-has-bad-credit/
Lenders don't just average out your two credit scores or go with the highest one when evaluating your creditworthiness as a pair—they pay the ...
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2 When One Spouse's Credit Score Is Lower - Kiplinger
https://www.kiplinger.com/article/credit/t017-c001-s001-when-one-spouse-s-credit-score-is-lower.html
If your wife's FICO credit score falls below 620, for example, then you'll have a tough time qualifying for a mortgage at all -- even if ...
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3 Guide to Buying a House When One Spouse Has Bad Credit
https://www.associateshomeloan.com/buying-a-house-when-one-spouse-has-bad-credit/
Your credit score is an important part of any mortgage application. Generally, you will want to have a minimum of 670.
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4 My Spouse Has Bad Credit. Will We Get a Mortgage?
https://www.fool.com/the-ascent/mortgages/spouse-bad-credit/
Say your credit score is a 790, which is excellent, while your spouse's score is not as strong at a 620. A 620 is usually the minimum credit ...
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5 Does Marriage Affect Your Credit Score? | MoneyUnder30
https://www.moneyunder30.com/couples-credit
Getting married doesn't impact your credit score, but your partner's credit (good or bad) can influence your terms on a joint loan like a ...
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6 Getting a joint mortgage? Here's how your credit score factors in
https://www.foxbusiness.com/money/how-credit-scores-factored-joint-mortgage
If you decide on a joint mortgage, both you and the other person's credit scores will come into play. Lenders will typically review each of your ...
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7 Can Your Spouse's Credit Score Kill Your Mortgage?
https://www.credit.com/blog/spouses-credit-score-kill-your-mortgage/
Your spouse's credit can make or break your mortgage. A score imbalance – hers is high and his is low – can mean getting saddled with a higher ...
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8 What Does Our Credit Score Need to Be As a Married Couple ...
https://homeguides.sfgate.com/credit-score-need-married-couple-qualify-home-loan-71779.html
The minimum credit score needed to buy a home ranges from 580 for a Federal Housing Administration (FHA) loan to 620 for conventional loans.
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9 How Marital Status Affects Your Ability to Get a Mortgage
https://www.mortgageloan.com/how-marital-status-affects-your-ability-get-mortgage-9885
Married couples have flexibility when it's time to apply for a mortgage. If spouses apply for a loan together, they can use both of their incomes. Lenders might ...
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10 How Income and Credit Impact Your Ability to Buy
https://www.csmcmortgage.com/articles/buying-together-how-income-and-credit-impact-your-ability-to-buy.php
Did you know that even if you're married, your credit score and your spouse's credit score are entirely separate? This is true no matter how long you've ...
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11 Applying for a Mortgage When Spouse Has Bad Credit - Bills
https://www.bills.com/learn/mortgages/applying-for-a-mortgage-with-bad-credit-and-a-spouse
Generally speaking, if you and your spouse apply for a loan jointly, the lender will look at your combined income, combined debt-to-income (dti),and both of ...
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12 Credit Score Requirements to Buy a House | 2022 Guide
https://themortgagereports.com/18621/mortgage-credit-score-minimum-gina-pogol
Married couples typically apply for a mortgage together. They can pool their resources to qualify for a bigger home or one that better suits their needs.
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13 Myths vs. Facts: Marriage and Credit | Equifax®
https://www.equifax.com/personal/education/life-stages/myths-vs.-facts-marriage-and-credit/
One spouse's poor credit won't impact the other spouse -- unless you jointly apply for a loan or open a joint account; Married couples do not have to apply for ...
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14 What Happens to Your Credit When You Get Married?
https://www.consolidatedcredit.org/ask-the-experts/what-happens-to-your-credit-when-you-get-married/
No. Even after you get married, both spouses maintain individual credit scores. You both come into the relationship with the scores that you had before you got ...
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15 QoD: Which FICO score does the lender use for couples? - Blog
https://www.ngpf.org/blog/question-of-the-day/question-of-the-day-when-a-couple-take-out-a-loan-which-credit-score-does-the-lender-use-1-higher-one-2-lower-one-3-average-of-the-two/
When applying jointly, lenders use the lowest credit score of the two borrowers. So, if your median score is a 780 but your partner's is a 620, ...
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16 How Does Getting Married Affect Your Credit Score? | Bankrate
https://www.bankrate.com/finance/credit/fix-credit-before-wedding.aspx
Married couples don't share credit scores, and your individual score won't change simply because you've become legally wed.
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17 Joint Mortgage: A Complete Guide
https://www.rocketmortgage.com/learn/joint-mortgage
Unmarried couples will apply for a mortgage as individuals. This means the partner with the stronger financials and credit score may want to ...
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18 Can spouse's credit score kill your mortgage? - USA Today
https://www.usatoday.com/story/money/personalfinance/2014/10/04/credit-dotcom-spouse-credit-score-mortgage/16585445/
Your spouse's credit can make or break your mortgage. A score imbalance – hers is high and his is low – can mean getting saddled with a higher ...
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19 What Happens to Your Credit Score When You Get Married?
https://anytimeestimate.com/credit/what-happens-to-credit-score-when-you-get-married/
When a married couple submits a mortgage application, the lender evaluates each applicant's credit reports, using the lowest median credit score ...
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20 Joint Mortgages: Should You Get One? - LendingTree
https://www.lendingtree.com/home/mortgage/joint-mortgage/
Whose credit score is used on a joint mortgage? When applying for a joint mortgage loan, the lender will evaluate the borrowers' credit scores ...
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21 What credit score is required to buy a house? - CNBC
https://www.cnbc.com/select/credit-score-needed-to-buy-house/
Prospective home buyers should aim to have credit scores of 760 or greater to qualify for the best interest rates on mortgages. However, the ...
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22 Whose Credit Score Is Used On A Joint Mortgage?
https://gocleancredit.com/whose-credit-score-is-used-on-a-joint-mortgage/
All credit scores are used on a joint mortgage—and you can have more than two people. Financial and credit information is collected from all parties who wish to ...
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23 B3-5.1-01, General Requirements for Credit Scores (10/05 ...
https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-5-Credit-Assessment/Section-B3-5-1-Credit-Scores/1032996841/B3-5-1-01-General-Requirements-for-Credit-Scores-08-05-2020.htm
Minimum Credit Score Requirements · Loan casefiles with one borrower - representative credit score, · Loan casefiles with more than one borrower.
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24 How Do Co-Borrowers' Credit Scores Affect a Home Purchase?
https://www.zillow.com/blog/joint-mortgage-credit-scores-224438/
When applying jointly, lenders use the lowest credit score of the two borrowers. So, if your median score is a 780 but your partner's is a 620, ...
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25 VA Loans When Your Spouse Has Bad Credit - Veterans United
https://www.veteransunited.com/valoans/what-happens-when-your-spouse-has-bad-credit/
Most VA mortgage lenders will want to see that both you and your spouse have a credit score of 620 or above. If your spouse falls below that line, you may need ...
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26 Can I Buy A House Without My Spouse? | Quicken Loans
https://www.quickenloans.com/learn/buying-house-without-your-spouse
Unfortunately, mortgage companies won't simply use the highest credit score between the two of you, or even the average of your scores; they'll ...
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27 New Credit Score Rule Will Help Dual-Income Households ...
https://www.fairwayindependentmc.com/articles/new-credit-score-rule-will-help-dual-income-households-buy-a-home
Under new rules, the lender can average the two scores together for eligibility purposes. In this case, the average score would be 665, raising the couple's ...
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28 Buying a House Before Marriage | Progressive
https://www.progressive.com/answers/buying-a-house-before-marriage/
For married couples, both your credit scores will be considered on a loan application. When you're unmarried and applying for a mortgage, you have a choice: ...
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29 How Marriage and Credit are Related | myFICO
https://www.myfico.com/credit-education/faq/credit/marriage-and-credit
Most mortgage lenders will check both of your FICO Scores when evaluating your loan application. Even if your spouse's good score would qualify her/him for a ...
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30 Buying a House Before vs After Marriage: The Unmarried ...
https://www.valuepenguin.com/mortgages/buying-a-house-before-marriage
When it comes to qualifying for a loan, it doesn't matter if you're applying as a married couple or as two unmarried individuals, ...
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31 Buying a House With a Partner Who Has Bad Credit
https://www.thebalancemoney.com/buying-a-house-with-a-partner-who-has-bad-credit-5212466
When you buy a home with someone else, lenders consider all financial factors for both applicants, including credit scores.
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32 Average Credit Score to Buy a House in 2022 | Credit Karma
https://www.creditkarma.com/insights/i/average-credit-score-to-buy-house
Credit Karma members with mortgages have an average credit score of 725. See how states and cities stack up.
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33 What Credit Score Do You Need to Buy a House? - NerdWallet
https://www.nerdwallet.com/article/mortgages/whats-exact-credit-score-need-buy-home
For most loan types, the credit score needed to buy a house is at least 620. However, a higher score significantly improves your chances of ...
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34 Should You Get a Joint Mortgage? - SmartAsset.com
https://smartasset.com/mortgage/should-you-get-a-joint-mortgage
You should know that your credit score is a big factor when it comes ... Joint mortgages aren't uncommon, especially among married couples.
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35 Mortgage Issues of Married Couples
https://www.mtgprofessor.com/A%20-%20Purchasing%20a%20House/mortgage_issues_of_married_couples.html
But this is subject to an important proviso: both parties must have acceptable credit scores. When incomes are combined, lenders use the lower of the two credit ...
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36 What Is a Joint Mortgage? Everything You Need to Know
https://moneytips.com/what-is-a-joint-mortgage/
Credit score: A three-digit figure used by lenders to determine how likely you are to repay a loan. Credit score requirements will vary from one ...
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37 Is My Credit Score Good Enough for a Mortgage? - Investopedia
https://www.investopedia.com/articles/personal-finance/081115/my-credit-score-good-enough-mortgage.asp
In general, a credit score above 670 will allow potential mortgage borrowers access to prime or favorable interest rates on their loan. · Scores below 620 are ...
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38 Joint Loans and Co-Borrowers - FHA
https://www.fha.com/define/joint-loan
Having another credit score and income contributing the loan application can help ... married couples apply for joint loans when shopping for mortgages, ...
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39 Does Your Spouse's Credit Affect Your Loan?
https://pacresmortgage.com/knowledge-center/news-insights/spouse-credit
Although getting married does not automatically impact your credit score, there are things couples do that result in changes. For example, opening joint ...
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40 Can My Spouse's Credit Score Affect Me in California?
https://www.borowitzclark.com/marrying-bad-credit/
But their debt (and credit score) before marriage is not ours. The credit report of a non-borrowing spouse in a mortgage application only ...
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41 4 Ways Marriage and Credit Scores Can Affect Your Finances
https://www.meettally.com/blog/do-married-couples-share-credit-scores
Credit scores are individual and tied to a person's Social Security Number (SSN), so married couples do not share a credit score. In fact, credit reports don't ...
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42 6 Steps Couples Should Take Before Buying a House
https://www.gobankingrates.com/investing/real-estate/steps-couples-take-before-buying-house/
Your credit score is a major factor when applying for a mortgage because it shows lenders how well you've managed credit in the past. The most ...
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43 SECTION 1: EVALUATING BORROWER INCOME CHAPTER 4
https://www.rd.usda.gov/files/3550-1chapter04.pdf
Having an insufficient credit score does not mean the applicant has demonstrated inability or unwillingness to repay debt; it means the Loan Originator must ...
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44 Buying a House When Unmarried? Consider These Things.
https://www.forbes.com/advisor/mortgages/buying-a-house-unmarried/
While buying a home when you're married vs. unmarried is largely the same, the mortgage application process can vary. Unmarried couples also ...
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45 Does getting married affect your credit score? - Barclaycard
https://www.barclaycard.co.uk/personal/money-matters/family-finances/does-marriage-affect-your-credit-score
Your spouse's credit history won't hurt, change or erase your credit score or credit history. So if you have a glowing credit history, you won't automatically ...
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46 Credit Scores and Committed Relationships
https://www.federalreserve.gov/econresdata/feds/2015/files/2015081pap.pdf
Lastly, cohabiting couples also share many household economic and financial responsibilities in a way similar to married couples, making credit scores an ...
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47 Joint mortgage with one bad credit applicant
https://www.expertmortgageadvisor.co.uk/bad-credit-mortgages/joint-mortgage-with-bad-credit/
Applying for a joint mortgage may seem confusing, especially if one applicant has bad credit. It's common for couples to try and get a mortgage ...
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48 Getting a Joint Mortgage When One Applicant Has Bad Credit
https://haysto.com/mortgage-guide/getting-a-joint-mortgage-when-an-applicant-has-bad-credit
Yes, it's still possible to get a joint mortgage, even if one of you has bad credit. However, it'll be more difficult than if you both had perfect credit scores ...
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49 How to get a joint mortgage pre-approval
https://better.com/content/how-to-get-a-joint-mortgage-pre-approval/
This information is so the lender can perform credit checks on both of you and evaluate your combined credit history. Ideally you'll both have ...
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50 5 Critical Mistakes Married People Make When Buying A Home
https://flamortgagefirm.com/uncategorized/2014/04/5-critical-mistakes-married-people-make-when-buying-a-home/
When a married couple applies for a home loan, the spouse whose FICO score gets used is whoever has the lowest. So if one person has a 740 ...
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51 If my spouse has a bad credit score, does it affect my credit ...
https://www.consumerfinance.gov/ask-cfpb/if-my-spouse-has-a-bad-credit-score-does-it-affect-my-credit-score-en-1291/
However, when you apply for loans together, like mortgages, lenders will look at both your scores. If one of you has a poor credit score, ...
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52 Many couples pay more when both of them apply for a mortgage
https://www.washingtonpost.com/realestate/many-couples-pay-more-when-both-of-them-apply-for-a-mortgage/2016/04/05/6fbcd910-fa76-11e5-886f-a037dba38301_story.html
If you've got a 780 score — sterling credit on FICO's scale of 300 to 850 — but your partner has a sub-par 630 score, the lender will probably ...
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53 Credit Score Needed To Buy A House in 2022 | Rocket Homes
https://www.rockethomes.com/blog/home-buying/credit-score-to-buy-a-house
For an FHA loan, Rocket Mortgage® requires a median FICO® Score of 580 with a 3.5% down payment. However, some lenders may only require a median credit score of ...
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54 Does a Non-Working Spouse's Credit Affect a Home Loan?
https://budgeting.thenest.com/nonworking-spouses-credit-affect-home-loan-28950.html
But if your spouse's credit score is lower than yours, it could jeopardize your chances to qualify for a loan. Lenders only consider the lowest credit score on ...
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55 Buying Your First Home Together | Marriage credit score
https://www.texaslending.com/2018/09/11/buying-your-first-home-together/
Having a good credit score is a reflection of your responsible use of credit. However if you or your spouse has a low credit score, the low ...
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56 What Credit Score Is Needed to Buy a House? It Varies by ...
https://www.businessinsider.com/personal-finance/what-credit-score-is-needed-to-buy-a-house
You'll typically need a credit score of at least 620 for conventional loans. To qualify for the best interest rates on a mortgage, aim for a ...
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57 Can I Apply for a Mortgage Without My Spouse?
https://www.homesteadfinancial.com/purchase/can-i-apply-for-a-mortgage-without-my-spouse/
Sometimes a married home buyer may want only to have their name on the ... One Spouse Has a Low Credit Score – Lenders don't just use the ...
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58 Buying A House Under One Name: Should Married Couples ...
https://orchard.com/blog/posts/buying-a-house-as-a-married-couple-under-one-name-or-two
Getting married doesn't affect your credit score, so if one spouse has a much stronger credit history or much less debt, you might get better ...
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59 Can We Get A Mortgage If My Partner Has Bad Credit?
https://www.homeloanexperts.com.au/bad-credit-home-loans/mortgage-partner-bad-credit/
Work on improving your partner's credit score. · Wait for the adverse listing(s) to fall off your credit file. · Save up a bigger deposit. · Show ...
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60 Joint Personal Loans for Married Couples | LendEDU
https://lendedu.com/blog/joint-personal-loans-for-married-couples/
By applying for a joint personal loan, a married couple may qualify ... Like with other loans, the higher your credit score, the lower the ...
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61 What to know when applying for a mortgage as a couple
https://firstohiohome.com/applying-mortgage-couple/
The credit history of each spouse can affect whether or not they will qualify for a mortgage. When applying for a mortgage as a couple, the ...
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62 Marrying Someone With Bad Credit? Don't Let It Damage Yours
https://studentloanhero.com/featured/marrying-someone-with-bad-credit-do-this/
If you two want to take out a loan together, your spouse's bad credit could hold you back. Sometimes, lenders will look at the lowest score on ...
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63 Marriage and Mortgage: Homebuying Advice for Newlyweds
https://www.directmortgageloans.com/mortgage/marriage-and-mortgage-homebuying-advice-for-newlyweds/
How does buying a house as a married couple work? ... However, it also means that each applicant's credit scores and debts will be ...
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64 Should a married couple have both names on their mortgage ...
https://crosscountrymortgage.com/Gina-Myers/Should-a-married-couple-have-both-names-on-loan/
In some circumstances, one person might have a higher credit score than the other, and that may allow for a lower interest rate. Additionally, it makes sense to ...
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65 Pros and Cons of Applying for a Mortgage Without Your Spouse
https://mylenderjackie.com/purchasing-a-home/pros-cons-applying-mortgage-without-spouse/
Save Money on Mortgage Interest ... If one spouse has a very high credit score, the higher credit score may be eligible for a lower rate. This can ...
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66 Mortgage Strategy: One Spouse on a Home Loan
https://gphloans.com/mortgage-strategy-san-ramon/
When a mortgage qualification involves co-borrowers, lenders use the lowest credit score among them to determine the rate. The threshold for the best jumbo- ...
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67 Buying a House With a Boyfriend or Girlfriend
https://mymortgageinsider.com/must-know-tips-for-unmarried-home-buyers/
Yes, you can get a joint mortgage with your girlfriend or boyfriend. When applying together, it is possible that the combined incomes will ...
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68 Marriage, Credit Score and Debt | Discover Personal Loans
https://www.discover.com/personal-loans/resources/consolidate-debt/combining-finances-in-marriage/
Getting married does not affect your individual credit score, but either partner's score can affect your shared applications for credit (like ...
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69 How to Qualify for a Mortgage as an Unmarried Couple
https://www.ovmfinancial.com/how-to-qualify-for-a-mortgage-when-buying-a-home-as-an-unmarried-couple/
This could be problematic if one person has substantially lower credit than the other since lenders will typically use the lower credit score to ...
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70 Should You Buy a Home Before or After Marriage?
https://assurancemortgage.com/should-you-buy-home-before-or-after-marriage/
As long as you and your partner have strong credit scores, good incomes and minimal debt, you will likely receive the best mortgage rates as a married couple.
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71 Mortgages for Couples and Singles - oregonlive.com
https://www.oregonlive.com/mortgagesandloans/2017/06/mortgages_for_couples_and_sing.html
A married couple is not always at an advantage during this process either. If both parties have income and low debt, and good credit scores, ...
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72 The Pros and Cons of a Joint Mortgage - GI Home Loans
https://gihomeloans.com/joint-mortgages-the-pros-and-cons-of-a-joint-mortgage/
The credit record of each person is taken into account in awarding the mortgage. If one person has a low FICO score, then the mortgage will be based upon that ...
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73 Improve your spouse's credit score: 5 tips - CreditCards.com
https://www.creditcards.com/credit-management/improve-spouses-credit-score/
If both spouses have good credit – FICO scores of 700 or above, for instance – each person can qualify for different types of loans and credit ...
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74 Credit Score on a Joint Mortgage: Whose is More Important?
https://familydebtplanning.com/credit-score-on-a-joint-mortgage/
On the other hand, it is much more common for someone to be an owner, but not a borrower. Often, married couples opt to not include one spouse on the loan, ...
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75 Credit Requirements for a Reverse Mortgage Loan
https://reverse.mortgage/credit-requirements
The Reverse Mortgage itself will not affect your credit score however, if you use the funds to pay off other debts, the positive improvement ...
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76 FHA Home Loans With a Non-Purchasing Spouse
https://www.totalmortgage.com/total-path/fha-home-loans-with-non-purchasing-spouse
The FHA makes dealing with the title simple by requiring that the people on the mortgage also be on the title, and vice versa. This means married couples ...
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77 How to Get a Mortgage With Bad Credit | Money
https://money.com/how-to-get-a-mortgage-with-bad-credit/
For example, borrowers with credit scores as low as 580 and who can put 3.5% down can qualify for an FHA loan. Borrowers with credit scores as ...
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78 Credit Score Needed to Refinance Your Home - Credible
https://www.credible.com/blog/mortgages/credit-score-to-refinance/
A rate-and-term refinance for a conventional mortgage loan typically requires at least a 620 credit score — that is, as long as your loan-to- ...
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79 Joint Mortgage with One Bad Credit Applicant
https://www.themortgagehut.co.uk/joint-mortgage-one-bad-credit-applicant
There are lenders who don't use joint credit scores at all, instead preferring to search the credit histories of both applicants to look for any problems that ...
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80 Wells Fargo Rejected Half Its Black Applicants in Mortgage ...
https://www.bloomberg.com/graphics/2022-wells-fargo-black-home-loan-refinancing/
engineer is married to a doctor and has a credit score north of 800, putting him in America's credit elite. The loan officer at the bank even ...
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81 Married Couples Lead the Pack in Home Sales
https://www.cherrycreekmortgage.com/blog/article/married-couples-lead-the-pack-in-home-sales-heres-how-you-can-prepare
When you and your spouse apply for a mortgage loan, your lender checks all three of your credit scores to assess creditworthiness, and uses the median of ...
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82 Getting a Mortgage As a Couple vs. As a Single Applicant?
https://www.azmortgagebrothers.com/blog/better-getting-mortgage-couple-vs-single-applicant/
When buying a home as a couple, if your spouse has bad credit history, it can have a negative impact on your financial future. When you apply for a mortgage ...
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83 First comes love, then comes... mortgage?
https://bostonagentmagazine.com/2019/11/04/first-comes-love-comes-mortgage/
And as with married couples, it's important that your clients understand the ... If one partner has a dismal credit score or piles of debt, ...
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84 How To Get A CHFA Program Loan
https://www.chfainfo.com/homeownership/how-to-get-a-chfa-program-loan
All borrowers have a mid-credit score of 620 or higher · Total borrower income must not exceed CHFA's income limits · Attend a CHFA-approved homebuyer education ...
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85 Spouse Has Bad Credit? How It Affects You. - MintLife Blog
https://mint.intuit.com/blog/credit/spouse-has-bad-credit-how-it-affects-you/
That being said, if you apply for a loan as a married couple, creditors look at both your credit scores to determine your eligibility and ...
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86 Your Mortgage: When it's okay to act single – even if you're ...
https://shawneemissionpost.com/2021/01/12/your-mortgage-when-its-okay-to-act-single-even-if-youre-married-110673/
Some married couples decide to only have one person on a loan application, ... Some spouses have drastically different credit scores.
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87 Your partner's credit score could reveal red flags that have ...
https://www.marketwatch.com/story/nearly-40-of-americans-want-to-know-your-credit-score-before-dating-2016-05-03
Similar credit scores are “highly predictive” of whether couples stay ... More than half of Americans (58%) said they wouldn't marry someone ...
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88 Minimum Credit Score For Mortgage | November 2022
https://helpandadvice.co.uk/minimum-credit-score-for-mortgage/
The first thing that a lender will consider is your relationship. If you are married, you will have to apply jointly for a mortgage. The mortgage lender will ...
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89 Getting a Single Mortgage When You're Married
https://www.onlinemortgageadvisor.co.uk/mortgage-application/so-youre-married-but-want-a-mortgage-in-just-your-name/
No impact on credit score. 4.8 out of 5 stars across Trustpilot, Feefo and Google! Our customers love Online Mortgage Advisor.
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90 Great Credit & Home Loans - Purchase Loans for You
https://www.spirefinancial.com/credit-scores/great-credit-home-loans/
760 and above is considered perfect in most cases. The only exception is Jumbo loans sometimes give benefit to 800+ credit scores. What Credit Score Is Needed ...
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91 Mortgages: The Complete Guide For Married Couples
https://www.theplunge.com/money/married-life-primers/mortgages-the-complete-guide-for-married-couples/
These loans allow credit scores in the 500s (that's considered low) and make it possible to put down as little as 3.5 percent (5 to 20 percent is normal). Take ...
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92 When Applying for a Home Loan, Does Your Spouse's Credit ...
https://mortgageutah.com/when-applying-for-a-home-loan-does-your-spouses-credit-matter/
How Does Each Spouse's Credit Score Contribute to Mortgage Approval? ... of applying individually or as a married couple, even for VA and FHA home loans.
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93 Can Your Spouse's Credit Score Kill Your Mortgage?
https://loanscanada.ca/mortgage/can-your-spouses-credit-score-kill-your-mortgage/
The good news is that when you get married you both keep your own credit scores; they don't automatically become one once you're married. This ...
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94 How Your Credit Score is Determined for Mortgage Loans
https://www.waterstonemortgage.com/blog/mortgage-basics/2020/03/how-credit-score-determined-for-mortgages
If there is only one borrower, that's it – that's the mortgage credit score they use. However, if there are multiple borrowers (a married couple ...
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95 Can a married person buy a house without their spouse?
https://www.bryanfagan.com/family-law-blog/2020/august/can-a-married-person-buy-a-house-without-their-s/
Your spouse's credit score and history are relevant to many lenders in situations like yours. You may be able to find a mortgage lender who does what is called ...
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