Disclaimer: I'm trying to take the cheap way out, for right now.
My husband and I live in Texas, which is a community property state, and are looking to buy a house in the next 8-12 months. My credit scores (all of them) are well below his -- I'm talking 80-100 points difference -- there's no question that mine is the lower of the two across all scores. Therefore, can I get away with (for now) just pulling my own mortgage scores to begin thinking about where we're landing? What I don't want to do is pull both mine and his right now if they're not even going to look at his score for the purposes of qualification. I know they'll look at both of our debt, income, etc but I don't need a 3B report to know where we lie there.
When we get closer to pulling the trigger, I'll order both for a sanity check... I just want a glimpse of the score I'm working with right now. I know all the rest of the nitty gritty details of both reports.
Thanks!
