heelsfan wrote:i am applying for new mortgage with scores around 600. my wife has no income (stay at home mom) and will not help in the qualifying due to low 500 scores. do i have to put her down as co-applicant. can i have note in my name and deed of house in jt? my income and dti are both fine and will have about a 10% down payment, but the mtg broker wants my wifes ssn to start app. please advise if i have to give her ssn or even put her on app. thanks.
heelsfan wrote:is there any specific reason to do joint on the fha...i thought with her lower scores it would affect our rates and qualification process.