I have excellent credit but my husband doesn't , can we still qualify for low interest rate?

Hello, I need more information. purchase ? refi? can you qualify without him, ie do you have income that supports the loan with out your husband? linda lindaonthego@outlook.com

This would be for a purchase and our income would be combined , not by myself

If you need your husband on the loan for additional income, then his credit will definitely play a factor in determining the rate.

Rate would be lower if your husband's score was used and apply jointly....you would get a better rate if you could qualify on your own. You could still have your husband on title. If you would like to discuss in more detail feel free to contact me. 562.254.5616

Lenders take the lower middle score between 2 or more borrowers.

We do loans with as little as 580 credit score and that can be with as little as 3.5% down and a surprisingly good rate. To get qualified and/or quotes contact me via my profile.

If you need your husband on the loan to be able to use his income, then that would absolutely affect your rate. I would see if you need his income to qualify. If you don't need to use it, it would make sense to go on the loan yourself and take advantage of the lowest rates out there.