Can I use my wife's income and my credit?

No...whoever aplies for the mortgage will have to meet all of the qualification standards, and the underwriters will exhaustively research every little detail. You can't mix and match.

No.. There is no conforming product which will allow you to use income for a non borrower spouse.. Not gonna happen.. if you're on the loan, you income and credit will be used.. if you're not on the loan, some states (community property) will require the credit and debt of the non borrowing spouse to be included in the borrowing spouses ratios.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Yes, but you will also have to use your income and your wife's credit too. You can't pick and choose, sorry. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com ~ 888-889-9950

Sorry it is not possible to do that.