Momoffour wrote:I will begin to build some credit as it is simply non existent at the moment. A mortgage broker tried to pitch us the idea that we could use my credit only and my husbands income - does this sound possible? The idea is that in six months I will have established credit and we could use my husband's solid work history and decent income. I have not worked beyond a part-time basis over the past five years. This particular mortgage broker seemed serious but I question whether it is either legal and/or ethical as he wants to base the loan on my "income" which would only be part-time freelance writing income - he says that the income did not need to be proved as a writer can make a lot of money at any given point. This sounds shaky at best - can any of the mortgage specialists comment on this approach? Thanks in advance for your time.