[quote=jeff303][quote=HLS]
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.
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Are banks willing to run both scenarios for comparison? I.e. add spouse onto loan (higher income, lower credit score) versus not?[/quote]

In assisting another family recently, I can tell you for sure that a major bank recommended just using one spouse on the loan app, but the couple used both anyway. They were rejected.

They then resubmitted to the same major bank with just one spouse (both still on title) and were approved.