[quote=HLS]
They always use the middle credit score of the 3 bureaus, the highest & lowest are ignored.
If 2 people are needed to qualify, the use the lowest borrower’s middle score.

In many cases this presents a problem, but if a borrower’s income is not needed to qualify I suggest considering only 1 person on the loan, spouse can still be on title which is the ownership part.
[/quote]

Are banks willing to run both scenarios for comparison? I.e. add spouse onto loan (higher income, lower credit score) versus not?