8 Thoughts on My wife has a 720 credit score and mine I 599. Can we get a USDA mortgage loan?
  1. Reply
    Sophie B
    May 4, 2011 at 3:38 am

    Didn’t know the United States Dairy Association gave home loans…..

    FHA might…

  2. Reply
    KlemKiddleHopper
    May 4, 2011 at 4:23 am

    What you should do is pay more attention to your wife as to your spending habits

    Go ahead and apply for the loan – that doesn’t cost anything

    See what the outcome is – –

  3. Reply
    MVD34
    May 4, 2011 at 4:44 am

    FHA you mean…

    You are unlikely to qualify for a new loan at this time with your name on the application.

    The industry has granted no new loans to applicants with FICO scores below 600 and almost none for scores below 650 in the last 12 months.

    The “drop dead” score seems to be 620. You might want to double check your reports for any errors or corrections that might boost your score above that 620 number.

  4. Reply
    golferwhoworks
    May 4, 2011 at 5:04 am

    using your wife’s income and credit alone will work. Your scores will not as you must have a 620 with the USDA and the sad part is your income cannot be used to qualify for the house loan but is used in the total income score card for the USDA.
    I am a mortgage banker in TN

  5. Reply
    Henry
    May 4, 2011 at 5:14 am

    hi
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  6. Reply
    Goodluck
    May 4, 2011 at 6:00 am

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  7. Reply
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    May 4, 2011 at 6:49 am

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