Mortgage loans. DO mortgage lenders use the

[carmen f]

averg/ credit score from the husband/wife?

[Dan Soschin]

Our lender used the lowest score, but I think this is a factor of the lender and varies.

[sshilaym]

Typically the middle credit score of the primary borrower (wage earner) is used. But there are numerous loan programs out there and it just depends on the particular program.

[touchemupent]

In most cases the lender uses the middle score to determine Credit approval and interest rates. Its best to apply with the person who has the highest scores.

[J W]

I have a few lenders that add all 3 credit scores from husband, then all 3 credit scores from wife and divide them by 6 to get the average credit score.

This sometimes is the difference between being able to close a loan or having it fall apart.

If you have any more questions please feel free the email me at jdw222_001@yahoo.com

[thetoothfairyiscreepy]

usually, the mortgage company will pull a tri-merge report for both borrowers, and use the lowest middle score. (Basically, there will be 6 scores total, one of his and one of yours from each bureau. Find your middle score, and his middle score, and use the lower of the two).