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ms.takes | My fico is 610, income 65,000/ fiance 680 income 50000. Should we apply for home loan together or just him? |
Should he buy before we get married. my low FICO is due to past charge offs that are about 5 yrs old. We would probably qualify for more money if my salary were included, but we don't want to be paying ridiculous interest.....oh we are looking at houses around 120,000 |
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Draga M.
|
Your credit rating is not bad; I would suggest however working with a reputable mortgage lender like Wells Fargo who could work out differences in loan offerings based on the one salary, a combined salary doing the same with one then both credit reports.
If you or your fiancé is a first time home buyer, there are loan plans with good incentives offered to you. Again, a good mortgage company can help you work out what would be the best.
On a personal note, I wish I lived where you live! The median price of a home where I live is $400G+. :-(
Happy home and loan hunting! |
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Mortgage Mentor
 |
Hi,
Your fiance's score seems to be fair enough to qualify for a home loan. So, he alone can apply for the loan. But on adding your name along with him, you can qualify for a loan at comparatively lower rate of interest. This way you can avoid paying higher interest too.
Get your credit report updated before you apply. If you have paid off the debts, ask your creditor to inform the credit bureau. This will help to remove the charge off from your credit report. Otherwise, it may create a negative impact on your credit profile.
Thanks,
Mortgage Mentor
MortgageFit Community |
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SadToday22
|
Use just him...trust me, I've been through this it's a royal pain! |
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?
|
Go to www.daveramsey.com
He's the financial wizard. If that URL is wrong, do a search. You won't regret it. He also has a talk show originating out of Nashville wherein he takes individual calls from people not unlike yourself.
You can also email him with that question and probably get a very good and to the point answer ( from his web page ).
Mack |
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admiralgill
 |
If you have a good realator he can find out the best way to go. He can run both scenarios and see what is better. It might alos be beter for fiance to buy and list you as additional income |
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bits99
|
when you both are on it then its not easy to seperate from eachother, it would act as bond, it might ome handy at difficult situations.
now you know what to do. |
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richmind
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Yes, but make sure he is first on the application. They only consider his beacon and your income. |
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?
 |
If you can qualify with just him, I would do it. You will get a better rate. You can be off the mortgage, but still be on the deed, to protect yourself in case of divorce.
You can always refinance after your credit score goes up if you feel that you want to be on the mortgage. |
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kentata
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680 is probably JUST BARELY going to qualify. So, have him finance the house, and you get the utilities in your name. |
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nimopiba
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You could do what I did. I applied for the loan (better credit) and used both incomes as my own. All you need to do I have a joint account that shows the incomes and your loan officer should be able to work the numbers for you. My husband signed some "monetary gift" paperwork and "Voila"! New house! Good luck! Happy house hunting! |
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hugh.G.rection
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I work in a mortgage company (as an underwriter) but we have loan programs that can use your soon to be husbands credit score and have you both on the loan even though you make more income. |
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