Mortgage

QDo Banks Only Consider The Name On The Title When Checking Credit?
AThe bank will consider the credit of all people on the application. They will want anyone on the Title to be on the Application. In order for the party with bad credit to not be considered, they must remain off the title and the application. Only income of the people on the application will be considered for the debt ratio. However, some mortgage companies don't do that. In this case, on a conventional loan you can have only one spouse on the loan application and both on the title.