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My husband has excellent income, but no credit history. Can we both be on the loan?

by gianna.v571 from Newberry, Michigan. Jan 6th 2016 Reply


Jack Cyrul (Jack Cyrul)
#4 ranked lender in Michigan - 94 contributions

If he has the right alternative credit yes. Jack at 734-395-9027. Feel free to call me for a free pre-qualification.

Jan 6th 2016
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Mike Silkworth (msilkw_195_870)
#29 ranked lender in Michigan - 531 contributions

As Jack responded, it is possible with alternative credit (credit that doesn't show on credit report). Be sure to speak with a Lender that specializes in this type of loan, as it has requirements that a loan with traditional credit does not. Good Luck!!!

Jan 6th 2016
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Keith Lewis (klewis@lewisfin.com)
#61 ranked lender in Michigan - 3 contributions

Call me Keith Lewis at Lewis Financial - we can get you qualified easier with alternative credit - and you may have heard me on WWJ-NewsRadio 950Call me direct at 248-901-1700 ext. 201

Jan 6th 2016
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Phil Dumouchel (PhilDu)
#32 ranked lender in South Carolina - 2,249 contributions

Very likely that is ok, as long as there isn't anything negative in his report (sounds like unlikely). Sometimes the alternative credit isn't needed, especially if you have been together for the past 2 years. That will depend on the details and overall strength of your application, the type of mortgage, as well as what lender you use - some have more flexibility than others to offer the option of not requiring alternative credit for him.

Jan 6th 2016
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