Hello! This is Joe Harris with Morgan Financial and here is your “Joe Knows Mortgages MINUTE”.

This week, we answer the question:

“Does my spouses credit score matter?”

If you plan on using both you and your spouse’s income to jointly qualify for a loan then, yes your spouse’s credit score is taken into consideration. If you were to choose to exclude their income, and exclude them from the loan, then only your credit score will be evaluated.

Thank you for tuning into this Joe Knows Mortgages MINUTE

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See you again next Monday!