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Can we qualify for our mortgage under my husband's name only?

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Can we qualify for our mortgage under my husband's name only?

My husband has perfect credit with not a single negative on it, his middle score is 734.  No debt becuase car payment and credit card with balance is under my name only.  We are looking at al 100k home.  Could he qualify by himself?  We are trying to qualify for down payment assistance and my scores are borderline for the elegibility of that.

Equifax: 676 (myfico) Experian: 683(myfico) TransUnion: 689 (Barclays)

Current Goal: 700
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Re: Can we qualify for our mortgage under my husband's name only?

Fill out the form in the sticky, no one can answer your question with the information posted.

Message 2 of 5
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Frequent Contributor

Re: Can we qualify for our mortgage under my husband's name only?

ok sorry, here we go (from what I have seen in other websites it doesnt look like he could qualify for a 100k loan

 

  1. Credit.  723, credit history about 1 yr old
  2. Income.  approx. 25k annually, employed for 7 years by the same company, hourly, 40 hr a wk with occasional over time, get a chirstmas bonus every year of about $1500
  3. Source of income.  full time employment
  4. Monthly debt payments.  none
  5. Employment w-2
  6. Assets/Reserves.  $2000 in saving plus we currently own a mobile home that we will sell when we find a house
  7. Location.  Indian Trail, NC
  8. Property. single famly
  9. Value.  100k
  10. Occupancy.  Primary residence
  11. Transaction Type Purchase
Equifax: 676 (myfico) Experian: 683(myfico) TransUnion: 689 (Barclays)

Current Goal: 700
Message 3 of 5
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Contributor

Re: Can we qualify for our mortgage under my husband's name only?

Numbers look like an easy qualifacation where I work

 

You are in my neck of the woods, I am in S. Charlotte.

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Frequent Contributor

Re: Can we qualify for our mortgage under my husband's name only?


@edcampbell613 wrote:

Numbers look like an easy qualifacation where I work

 

You are in my neck of the woods, I am in S. Charlotte.


send me your info if you want.  Would love to discuss Smiley Happy

Equifax: 676 (myfico) Experian: 683(myfico) TransUnion: 689 (Barclays)

Current Goal: 700
Message 5 of 5
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