joint mortgage

[babbles]

wondering how a joint mortgage shows up on your report for a joint mortgage for a couple, is it both full balances on each  files?  or half on each file?  thanks!

[Jrl1vin2]

Mine shows the full balance on both reports.  Married couple. 

[NoHardLimits]

9 joint mortgages in my past (5 for the purchase of a new house, 4 refis).  All have shown full balances for both individuals.

[FinStar]

@babbles, a joint account (mortgage, vehicle loan, CC, etc.) means both parties are liable and equally responsible for the entire balance of said obligation, so the full amount will report on each individual CR file.

[OmarGB9]

Yup, full balance for both account holders, though it would certainly be nice if they would split the balance in half for a joint account. lol

[babbles]

and so your dti could now be out of whack!