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I have excellent credit but my husband doesn't , can we still qualify for low interest rate?

For a home loan by ycasas20200 from Northridge, California. Jan 5th 2017 Reply


Linda Wintersteen (Linda123)
#63 ranked lender in Arizona - 1,250 contributions

Hello, I need more information. purchase ? refi? can you qualify without him, ie do you have income that supports the loan with out your husband? linda lindaonthego@outlook.com

Jan 5th 2017
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This would be for a purchase and our income would be combined , not by myself

Jan 5th 2017
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Jericho Cherry (Jerichocherry)
#58 ranked lender in Virginia - 1,107 contributions

If you need your husband on the loan for additional income, then his credit will definitely play a factor in determining the rate.

Jan 6th 2017
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Dan Paladin (dpaladin)
#1 ranked lender in California - 433 contributions

Rate would be lower if your husband's score was used and apply jointly....you would get a better rate if you could qualify on your own. You could still have your husband on title. If you would like to discuss in more detail feel free to contact me. 562.254.5616

Jan 6th 2017
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Bill Cook (loanpro)
#636 ranked lender in California - 43 contributions

Lenders take the lower middle score between 2 or more borrowers.

Jan 10th 2017
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Larry Gray (lgray_312_247)
#566 ranked lender in California - 1,127 contributions

We do loans with as little as 580 credit score and that can be with as little as 3.5% down and a surprisingly good rate. To get qualified and/or quotes contact me via my profile.

Jan 10th 2017
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Mike and Jill Kohler (LenderMike)
#31 ranked lender in Pennsylvania - 56 contributions

If you need your husband on the loan to be able to use his income, then that would absolutely affect your rate. I would see if you need his income to qualify. If you don't need to use it, it would make sense to go on the loan yourself and take advantage of the lowest rates out there.

Jan 22nd 2017
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