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In the state of Florida and Nevada do they have to run a credit check on my spouse?

by wandarobinzine993 from Washington, District Of Columbia. Oct 5th 2017 Reply

William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,727 contributions

IN community property states, the credit report of a non borrowing spouse is pulled to bring in debt that is not listed on the borrowers credit report.. that debt is added to the borrowing spouse. This is for government loan's only.. if you are using conventional, then no.. the credit report is not needed on the non borrowing spouse. Nevada is a community property state, so if you apply for an FHA loan in NV.. your non borrowing spouse's credit will be run, and their debt is added to your debt for qualifying.. However, Florida is not a community property state.. so this would not apply there.. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

Oct 6th 2017
Michael Diaz (sincityloandr)
#60 ranked lender in Nevada - 66 contributions

We will only run your spouse's credit if you are applying for a FHA or a VA loan. On conventional loans we will not. Please contact me if you need any additional help. I would like to see what your major concern is, even if they have a bad credit score that will not affect the loan. We are only looking to see any additional credit expenses they might have.

Feb 27th 2018
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