Do they combine the two score of husband and wife for home loans?

Sadly, the lower mid-score is used.

If both spouses are to be on the loan the lowest middle fico score (middle of 3 major credit bureau scores) will be used. Sometimes, if one spouse has sufficientincome to qualify alone on the purchase while the other spouse has a much lower middle credit score, then they may choose to only have the one with the higher credit on the loan. It is possible to still have both spouses go on title.

Lenders look at all three scores of each borrower. We then throw out the high and low scores, using the middle. Then, the working score for rates, approvals, etc is the LOWEST middle score. www.Mortgage-Rochester.net

Looks like we got this one answered, yes the lower middle score of both borrowers will be the score used on the loan,

They use the lower of you and your spouse. I have a couple great lenders also that are very easy to work with and informative. They will explain the process and can prequalify you at no charge and usually within minutes. Are you currently working with a Realtor? If not I would love the opportunity to go over the housing market and step by step home buying process.ThanksChad Stevens, Realtor5019527538 mbl

They lowest middle score of all borrowers is always used