Mortgage loan without my spouse co-signing?
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We have been trying to get a mortgage loan for about 3 years now, with NO luck.
I didn't think that our credit was that bad, and we pay all of our bills on time. I guess the issue is this..my husband has some old "bad debt" from a divorce that is several years old. I think there are 3 items that have not been resolved..but they are OLD, like 7 yrs. We had an issue where Texas thought he didn't pay Child Supp. for 3 yrs, but I had all of our reciepts, and resolved it..but though it wasn't our error, it's still on his credit
I was reading this morning on www.creditexpert.com and found that "your credit report is not affected when you marry..only the joint accounts show up on your report." So..can I apply for a mortgage in only my name since my credit is better? I've been told not, on a couple of instances..
I've also heard ..that you can or you can't use his income as part of your "total household income" without him being on the loan..which is right on that.
Free advice please!
Mortgage loan without my spouse co-signing?You can apply for the loan without your spouse co-signing. I found interesting information about your answer & the best options here.
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Good luck!
Mortgage loan without my spouse co-signing?If you keep getting refused a mortgage then it's because you aren't bringing in enough of an income.. They go by credit vs debit.. That is how much you are spending on bills each month vs what your monthly income is.. They go by a percentage bracket.. A bank is not gonna refuse a loan if you could afford to pay it.. Bad debt has nothing to do with it..
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