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The non-borrowing spouse’s credit score is certainly not considered reasons to deny a mortgage request. For government-backed mortgages, the lending company may draw the non-borrower’s credit report to verify the debts. However , that person’s credit scores doesn’t count number toward the application. One advantage of having the mortgage loan and homeownership in your identity simply doesn’t apply in community property suggests. If you get a government-backed bank loan like FHA, VA, or USDA financing, your spouse’s separate monetary still consider your debt-to-income percentages. In other advises, you may also need to quitclaim, this means you can’t secretly buy real-estate without your spouse’s understanding.
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