MND Q&A

I have decent credit, enough to qualify for FHA loan, but I have no income yet. My fiance' has bad c

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I have decent credit, enough to qualify for FHA loan, but I have no income yet. My fiance' has bad credit but decent income. Why is it that we can’t do a loan using my credit and his income?


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FHA (and conventional loans) require the lower credit score to be used for joint applicants. There would be no logic for any lender going by your higher score and disregarding your fiance’s credit score while being entirely dependent on her income.

Answered 7 months ago
Ted Rood ✎
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