Buying A House When One Spouse Has — Bad Credit

“I also think it is a bad idea to have your name on the loan but both on the deed (even if your income alone was sufficient). That is a recipe for you to get screwed. I know a girl who lost her entire life savings by doing that.” Reddit · r/personalfinance

Certain government-backed loans have more lenient credit requirements than conventional mortgages: buying a house when one spouse has bad credit

: This program may allow you to count a portion of a non-borrowing spouse's income if you have lived together for at least 12 months. Strategy 3: Immediate Credit Improvements “I also think it is a bad idea

Quick Answer. You may be able to buy a house if your spouse has bad credit, but you may not qualify for a joint mortgage. If that' Can I Buy a House if My Spouse Has Bad Credit? - Experian Strategy 3: Immediate Credit Improvements Quick Answer