If my credit score is 580, and my husbands is very goo (not sure exactly) could we get usda home loan?

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Can he apply on his own (I would not have ownership) so that my credit score won’t be taken into consideration? Please keep smart butt comments to yourself. Thank you serious people!

3 comments to If my credit score is 580, and my husbands is very goo (not sure exactly) could we get usda home loan?

  • bdancer222  says:

    He could apply on his credit and income alone.

    Keep in mind that score is only a small part. Income, debt to income ratio, other assets, clean credit reports, downpayment and closing costs all are considered.

  • anywhoo  says:

    Without knowing if you just don’t have much credit history, or, if you have a lot of negatives …
    If you don’t have much credit history, if your husband has some credit cards that are in good shape .. long history, no lates, low balances, etc., then he might add you as an authorized user (not as a joint user) to those accounts. Once they begin to report then that may bump your scores up enough for you to qualify.

  • stan c  says:

    If you could wait 9 months, your score should be over 620 which is fair (620/659). You can contact a mortgage broker for your best options.

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