Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
Re: Shared Mortgage and FICO Scores

78Mommy wrote:
I'm new to all of this. We're finally ready to buy a house.  How do FICO scores work for the married couple?  Do they simply take an average when getting approved for the mortgage?

There are mortgage products that consider all 6 FICOs--even if only one spouse is working. Not sure if they are using a median or a mean, and there might be products which use either.