Wife has a worse credit score, but better income.

Typically you will take the mid score of the lowest borrower for qualifying. If there is enough income for you to qualify for the loan it would make sense to use your 770 credit score for better pricing on your loan. Your wife can be put on title but she would not be on the loan if that is okay with you and your wife. Please call 360-915-9609 or email joleary@americahomekey.com if you have more questions. Take care and Good Luck --- Thanks Jake O'leary

It depends on a few factors. How much is your down payment? Are you taking out an FHA or a Conventional loan? How long is the term you are looking for? Depending on the answers to these questions, it many not make too much of a difference if she is on the loan with the lower score. It really needs to be analyzed using all the information to determine which is best or if it makes a difference. You can call me at 866-766-1918 and I'll be glad to look at it for you.

I am licensed in Arizona. You do have to take the lowest middle of the both borrowers on the trimerge credit reports. Can you qualify with just your income and the we can use the 770 fico, but honestly it may only effect the rate slightly to where it is better to use all the income possible. For some loans there arent FICO hits to the rate. It is best to have a conversation about what you would like to d then I can offer specific examples on both scenarios. Thanks let me know if I can help. Matt Baker The Baker Team at Cobalt Mortgage 480-747-6116

Both are good scores... I wouldn't hesitate to recommend that you both be on the mortgage.

We can analyze her credit and there maybe something that could be done in order to raise her scores. Contact me if you would like more information 602-531-7040 or jafonso@azhomerates.com.Joseph Afonso NMLS # 208706