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      If HE bought the house, with his credit score, he would get an excellent interest rate on the loan. If YOU buy the house, they will use your credit history. If YOU BUY IT TOGETHER, they will use your credit history in factoring in the decision and jack up the rates, since your’s is worse than his. It will count. Herlean

      Tressa Watts wrote: I have recently found a house we would like to buy. It is 2 times the size of my house but with the equity built up in my house we would only be increasing our mortgage by $10,000. Not to mention less money spent on irrigation, and pool chemicals for our
      inground pool. My concern is….I do not have the best credit rating. Went through a divorce5 years ago and still “rocked” a little from it. My credit rating is around 600. My boyfreind of 4 years has Perfect credit..like in the 800s. Our problem is…he has ZERO income but the good credit rating. (he is a full time college student) I make $68,000 a year. We will be putting down $60,000 on a $170,000 house. If we are not married can we get a loan together with his good credit and my low debt to income ratio but BAD credit? Would it help or hurt if we are married?
      Thank you,
      Tressa in Washington

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