Husband's credit score isn't good. Can we refi?

Joanne,If we use your husband's income to qualify for the mortgage, we must consider his credit score as well. You don't say whether or not you have an income. If you do, and it is high enough you may be able to qualify by yourself. He could still be on the title to your home of course. Please call if you have more questions.Jim Crowder33-243-3918

Hi Joanne,If his score is above 620 you are fine. If it is below 620, you will need to qualify by yourself for the mortgage and add him to the title. If you have additional information you want to share or any other questions, please call/text Justin Bennett @ 720-224-8404.

Hi Joanne,If his score is still above 620, you are fine. If not, you will need to qualify by yourself and add him to title. Let me know if you have any other questions. Take Care,Justin Bennett720-224-8404

Joanne,As James said, if your husband will be on the loan we will have to take his score into account. We will use the lower of the middle score of his or yours to determine the rate that is available. I think it would be a good first step to have the credit reports pulled to determine how much his score will affect the rate. It may not be too much of an adjustment. Feel free to give me a call, I am happy to help. Allen - 720-203-9871

Joanne, I'd recommend pulling a triple bureau report on both you & your husband so you know the middle score and can develop a game plan. It's possible with a little time & elbow grease you can get his score up (if it's down) and use both scores. Good luck & If I can be of further assistance, get in touch. ~ Jason Berman

Great day to you Joanne,Until we actually do a tri merge credit report we won't know what the credit score is that we have to use. I would be happy to assist you. Yes, you are able to take your 30 year loan and move it to a 15 year as long as we are able to qualify you. I am a local Colorado Mortgage Professional . 720-670-0124 Kay