Fico score husband/wife

[Simply1]

My wife and I decided not to refinance our townhome and found a place we'd like to move to.  My questions is, my income is gross $72k a year and hers is approximately $21k.  Will our fico scores be weighted, or how will they actually be used?

Say my middle score was 610 and hers was 630, or some variation, for simplification.

thanks!

[anythingispossible09]

For a mortgage, lenders will choose the lower of the middle fico scores.  If your middle score is 610 and hers is 630, lenders would use the middle score of 610.  They are not weighted, just the lower one

[steelfan]

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Simply1 wrote:

My wife and I decided not to refinance our townhome and found a place we'd like to move to.  My questions is, my income is gross $72k a year and hers is approximately $21k.  Will our fico scores be weighted, or how will they actually be used?

Say my middle score was 610 and hers was 630, or some variation, for simplification.

thanks!

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make sure the both of you have scores of atleast 620 or higher.