sweetash229


My Fiancee and I want to buy a house. He has excellent credit and a decent sized income. I have BAD =( credit and a fair income. Can he get a home loan that takes into account my income combined with his but not my bad credit?

7 Responses to “Can we get a home loan?”

1. jseah114 on June 4th, 2009 2:00 am

   Yes. Mortgage lenders will usually use the better of the two credit scores to determine the “primary” borrower.

2. flower on June 4th, 2009 6:33 am

   I think as long as one of you have decent credit, you really have a good chance.

3. wu n on June 5th, 2009 4:58 am

   yes, you can only use you fiancee’s credit for buying house, then put your name’s on it later

4. Ooh, Ooh pick me on June 6th, 2009 1:07 am

   No, the moment you include your income and your name goes on the loan threr will be a credit check.

   It may cost you a little bit, but I would get a copy of my credit report and work on getting some of the items cleaned up. I don’t know what gave you bad credit but it you haven’t declared bankruptcy then you can always repair your credit.

5. punkins_wife121705 on June 6th, 2009 1:19 am

   no. not if you were the co-borrower.

6. vertyuoa12 on June 6th, 2009 10:14 pm

   Here is an article with some information on loan options and the best plans.

7. mortgage help on June 8th, 2009 9:20 pm

   no. if you’re using your income, you have to use your credit. Qualify without you on the loan. If his income won’t be enough on it’s own, ask about doing a “no doc” or “no ratio” type loan.

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