Buying A House When One Person Has Bad Credit -

: Adding the partner to a long-standing, low-balance credit card account of the high-credit spouse can raise their score within days .

: If the partner with good credit can qualify for the loan using only their income, you can leave the other person off the mortgage application. This often secures a better interest rate .

: Lenders have varying "overlays" or internal rules; one bank may deny a score that another will accept . Community Perspectives on Joint Buying

Scores between may still qualify but require a 10% down payment .

: If neither of you can qualify alone, a family member with strong credit can co-sign to bolster the application . 2. Choose the Right Loan Type

: Both partners can still be listed on the house title/deed to show ownership even if only one is on the mortgage .