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How Do Lenders Calculate Interest Rates For Home Mortgage For Married Couples Who Have Different FICO Scores? |
Primarily interested in the case where there is a 50+ point differential in the FICO scores, and the spouse with the higher return has the lower score. And the combined income needs to be habituated to as the basis for the loan amount asked for ...
| Answer: Basically if you have two people on any mortgage loan, the bank or lender will take the mark down of the two scores if it is any documentation over than Full doc. If it's full doc, which means full tax returns, proving takings for both |
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