Mortgage with fiance middle score 600, mine 720, combined income of 103,000 yearly in PA?

If you can qualify on your own you will get much better terms. If you need fiance's income see if you get their score up to at least 620. Work with a local lender on this forum to refer you to local credit repair firm that they recommend.

They always use the lower score so effectively if both of you are on the mortgage then the score would be 600. If you are able to qualify for the loan with your fiance then you are better off. They could still be on the deed. If you need their income then you could go FHA, though ideally most banks even with FHA want a credit score of at least 620. So if the income is needed you should go to someone who repairs credit, there might not be much to it.

Hi, we can help you with a refinance or a purchase, whichever you are looking for at this time. You can contact me at andrea@monumentmortgage.net or 215-272-1157. Thanks, Andrea