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Updated almost 3 years ago on . Most recent reply
Useing others credit for a mortgage
If anyone could help me I would truly appreciate it.
The problem:
Looking to buy my first home/investment property. I just recently (within 6 months) declared bankruptcy. I have decent enough amount of money for a down payment but don't believe I'll be able to get a loan on account of the bankruptcy.
I would like to use my fiances name to aquire the mortgage. Her credit is 760 but nothing really as far as savings. And income is about 36,000 annually.
The question:
Is it possible for her to use my income on a loan? Or for me to give her my savings?
Any thoughts, tips, ideas?
Most Popular Reply
![Jocelyn Kaufman's profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/2434420/1649877477-avatar-joceproperties.jpg?twic=v1/output=image/crop=2223x2223@0x473/cover=128x128&v=2)
I would talk with your lender and see if you can both co-sign and how that would look. Then your lender can run the loan in each of your names and can tell you how it would be best.
- Jocelyn Kaufman