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Brad | I have a credit score of 651. Should I get pre-approved for a house now or after I get married next month? |
My credit score just recently jumped from a 620 to a 651 so I'm eager to apply for a home loan since my score is a whole tier higher. I'm getting married next month and don't know what that will do to my credit score... my wife-to-be has a credit score of 550 (unfortuantely). Will my score go up or down once I get married? Will hers go up or down once we get married? Should I get pre-approved for a house now or after we get married? |
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jennfarmer100904
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Some important things to look at would be your partner's credit score (which you already know), but also her back-end debt (how many open credit cards, loans, other financial obligations do they have?). But remember, even if you wait to get married before getting pre-approved, you can still run the loan on just your credit if you choose. A mortgage company can run the figures both ways (you alone, you with wife) and will tell you the best way to go. |
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Frank Castle
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I strongly suggest you not to marry until she has a credit score above the National Average.
I also suggest you to increase your credit score to above the National Average before you apply for a loan or you will get very high interest rates.
Top 3 Answerer in Business & Finance. (Vote for me) |
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DeAnna
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Since you are getting married, I would wait. That way the bank or mortgage company can try it for just you or as a joint account with your new spouse, to see which way will give you a lower interest rate.
I know as someone with low credit, it will really help out your wife's credit score to be included, as long as you make your payment on or ahead of time.
I don't think marriage affects credit scores much, or at least not negatively like a divorce would.
Congratulations on your upcoming wedding!! |
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Black Fedora
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Credit is re-checked at the time the loan is made. Your wife to be will affect your total credit score. The question is, when married, can you, in your state, purchase a home without putting your wife on the deed. If you can, then maybe you can pull this off. If not, it's a moot point. |
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Snagelfritz
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Check with your bank to be sure how long it last, they may have a limit and you may just have to get pre-approved again. I worked in Real-estate many years ago now. We always advised people to pre-approve so they not be looking at homes the could not get a loan for. Another thing to consider, just because you are married, I do not believe she would have to be on this if you not want her Credit/Income to be considered for the loan. Good Luck on your marriage and happy house hunting. |
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carolinagrl
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Well, its really up to you. The loan can be put in your name only even though the deed to the house can be in both names. Your score is YOUR score. Not your wife's and her's will remain the same after you marry.
Also, your credit score will go down after you purchase your home. This always happens so dont let it shock you, but if you have plans to invest in something else soon, you may want to put the house in your name only, then you guys can work on building her credit. |
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rosanamod
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It depends on your partner's credit score. If it's better than yours it will go up, if it's worse it goes down. |
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2muchcoffee
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Your credit score has nothing to do with your spouse-to-be. As long as you continue to pay your bills on time and your debt to income ratio is not out of line, then your credit score should continue to go up. Especially as you aquire debt and pay it off. Beware of credit cards. Pay them off monthly. Now since you are getting married and you and your spouse decide to purchase a house, then it is a posibility that the interest rate may not be as good because of her lower score. But as time goes along and you purchase things together and you pay the bills on time,, both your scores should go up---Good Luck |
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s_bodhi
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You'll do better getting the loan without her and putting her on after you get the house. |
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lauren0531
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It really doesn't matter whether you wait or do it now...your credit score isn't too great, but your fiance's is worse, so when you apply for a loan for a house, leave her off and do it yourself or you will get slammed with super high interest rates and higher PMI. You can have her name put on the house later, but leave her name off the loan and try to go it alone, it will save you money. |
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peter j
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Try to get it pre approved now then you won't have to worry about your credit once you married. getting married should not hurt your credit score through. |
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the cable guy
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try it cant hurt |
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JeNe
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it would be best to do it before i think as far as the credit score goes .her's will drop yours however...her income will also play a part in the housing you can afford which might be worth waiting on. |
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dmarie
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ake it from experience go for the l;oan now. My husband was married before and he had the worst credit when we got married and we are stuck renting for a while (married almost7 yrs) because of his score. I had a credit score of 710 and now i am lucky to have a 550 because I married someone with a horriable score...my best advice to you go for it NOW. |
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bequalming
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Get an FHA-approved loan. They look less at "score" and more at "have you paid your bills for the last year." With two incomes (and hopefully not as much debt to go along with it), you'll qualify for more house.
If she has a ton of debt to go with the low score, then don't use her. |
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