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Help! My Spouse / Partner Has Bad Credit » Mortgage Masters Group

Spouse Has Bad Credit? How It Affects You. It wasn’t until a few months after my husband and I got married that I decided to check both our credit scores. While my husband’s credit score wasn’t horrible, it certainly didn’t qualify as "excellent."

What You Need To Know About The Florida Homestead Exemption You will need to supply proof that you or your spouse are not receiving any residency based exemptions on any other properties owned. Address of any co-owner(s) not residing on the property. mobile home owners must bring the title(s) or registration(s) for the.

Having two borrowers on a mortgage application can help you qualify for a bigger loan, since you can combine your earnings in figuring your debt-to-income ratio. But if one of them has bad credit, that might not be in your best interest. If the good credit partner/spouse has enough income, you might consider applying under just his or her name.

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How to get a mortgage if your partner has bad credit. With the right advice from the specialist mortgage brokers that work with us, there are lenders that may offer a mortgage, even if a partner has a less than perfect credit history.

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If your spouse has bad credit, you might be split between a joint or. your partner on the application if you need their income to qualify for the loan.. If your spouse has a low debt-to-income ratio, it may help outweigh their.

The killer for me is her not working. If I was in debt like that, I would have worked a few jobs to pay my debt.. How can she sit back, live off you and maintain integrity? I’d be crushed if my partner had debt like that and had hidden it from me so long.. and not worked to pay it off.. any of it off.

Home » Help with Debt » Joint Debt. Sharing financial responsibility with a partner can be a useful way of managing costs and raising money. For example, it’s convenient to set up a joint bank account when you move in with a partner, and when the time comes to buy, a shared mortgage is generally easier to secure than a sole mortgage.