Clients Need Loan Help

[Shelby Sellers]

My clients are under contract. It sounds like their loan is iffy and they need to add her to the loan for income. Problem is that her credit is lower. I told them to shop around. They were able to increase his to 645 but not hers. The second opinion said she'd be able to do it if it was the 600 pre covid fha threshold but now its 620. It sounds like the original lender can go lower. So now I don't know what to do if that sounds like a crap shoot