share spouse FICO

You'll have to elaborate a bit more. What is your question?

With All government loans any FICO & Income of a non-purchasing spouse must be verified to make sure their excess of debt or income does not disqualify them. Other Conventional loans & private loans are only concerned with the fico & income of the applicants & not the spouse. Other than this I agree with Joe, your question needs elaboration.

I"m not sure what your question is but, when it comes to loan pricing, the lender will look at all 3 major credit reports for ALL borrowers, and take the LOWEST middle score to determine your rate. If you have a spouse, and you do not want them on the loan, then that's ok, but if they are not applying for the mortgage, then you cannot use their income, but if your in a community property state, then her debt will be added to your debt to determine qualifying Debt to income 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com