: You cannot use the non-borrowing spouse's income to qualify, which may reduce the total loan amount you are offered.
: Even if only one person is on the mortgage (responsible for payment), both spouses can usually still be listed on the property title (legal ownership). buying a house when one spouse has bad credit
: In states like California, Texas, or Arizona, lenders may still be required to pull the non-borrowing spouse's credit report to count their debts toward your debt-to-income (DTI) ratio, even if their score isn't used for the rate. Strategy 2: Specialized Loan Programs : You cannot use the non-borrowing spouse's income
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Certain government-backed loans have more lenient credit requirements than conventional mortgages: