coborrower question

[Anonymous]

When two people apply for a mortgage how do they look at the scores?  Do they use the person who has the higher scores or do they use  both scores?

[Creditaddict]

pretty sure it's both

[cadavis0609]

it depends on the lender, some take the average of both parties, others take the middle score of the lower. Thats how most lenders do it I believe.

[ShanetheMortgageMan]

Like cadavis pointed out it varies from lender, and also from loan program to loan program.  On sub-prime & Jumbo loan programs the primary wage-earners mid score is used... on conforming loan programs the lowest mid score of all borrowers is used.