夫妻双方谁来apply谁来coapply mortgage?# LivingZ*n2011-04-12 07:041 楼一方薪水高、credit score暂时低,工作历史短;另一方薪水低、credit score高,工作历史长些。谁作coapplicant有差别么?
q*22011-04-12 07:043 楼The lower score between the two applicants will be used, so it doesn;t matterwho is the main applicant and who is the co-applicant.
d*n2011-04-12 07:044 楼工作历史太短的话,有些银行会认为,不够qualify去做borrower的。另外,不论谁是borrower,谁是co-borrower,credit score都会取低的那个人的中间分。看起来区别不大,不过,work history蛮重要的要,如果是我,我会选work history长的那个做borrower。至于underwriter是否承认work history短的那方的income,就只能赌一把了。