was turned down for harp 2.0 my score 750 but spouse was under 620

For loans today, most underwriting models use the "File" score. This is the lowest middle score of the borrowers. If her score is 620, then that COULD be the reason. HARPS can be tricky. If may not be the score alone. I've had Fannie harps with scores below 620, but the borrower needed to show reserves over $100,000 to get the approval. They had it so we got the approval. Many times lenders minimize the amount of data they input because sometimes it is overkill. If your lender didn't use all of your assets, that could impact your approval. The other thing is what are the issues in your wife's credit that caused the 620 score. It may be possible to do something quick and inexpensively to raise the score and get the approval. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com 888-889-9950

Bert is spot on!! 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

We would recommend re-applying as Paul suggested since your spouse's credit score may be the reason for the decline. Feel free to contact us for advice or to see if you qualify at 858-605-0952. We are a brokerage based in California.

Bert's answer covers it!