Answer
The person that makes the most money is the FICO score that will be used to determine your interest Rate.
Answer
Mortgage lenders will ALWAYS use the person who has the highest income as the primary borrower. Sometimes in the case of married couples it is better to only use one spouse (who ever has the higher score) as long as the income from one will satisfy the debt-to-income ratio required by the lender. The higher score will generally affect the interest rate while the income does not.
Answer
...and some lenders will use the lesser of the credit scores reguardless of income.
First answer by Lori Fratini. Last edit by ID1158585694. Question popularity: 184 [recommend question]
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