I am new to myFICO. I am trying to get a home loan and have a 710 FICO Score. However my husband has a lower score under 620. How bad will his score hurt me? His salary is also more than mine. We have paid everything down to a 0 balance. It is just taking time for it to recover. Any answers will be apperciated. Thanks in advance.
If he's not on the loan it won't hurt at all. If he needs to be on the loan your looking at FHA at best and then need to really get his score up 20 points.
There are still a few Lenders approving 620 mid score.
You just have to find one that works in your state.