One Person Has Bad Credit | Buying A House When

: If the partner with good credit can qualify for the loan using only their income, you can leave the other person off the mortgage application. This often secures a better interest rate .

Scores between may still qualify but require a 10% down payment . buying a house when one person has bad credit

: If you need both incomes to qualify for the desired loan amount, focus on a quick credit boost for the lower-scoring partner before applying . : If the partner with good credit can

Lenders typically look at the "lower middle score" between both applicants on a joint mortgage, meaning one low score can lead to higher interest rates or outright denial . : If you need both incomes to qualify

: Both partners can still be listed on the house title/deed to show ownership even if only one is on the mortgage .

: Lenders have varying "overlays" or internal rules; one bank may deny a score that another will accept . Community Perspectives on Joint Buying

“Applying solo fixes the credit problem, but it also takes your spouse's income out of the equation.” Experian