They'll want all the normal stuff; bank account info, LES for several months, hard credit check, etc.

HI Abigail,Acquiring a loan, lenders always look into 3 metrics Income/Assets/Credit.

Lending is tough, you need to know the market you're lending in, usually you want to have an understanding of credit-risk and be able to pull credit and run background to get a better read on your borrower.

@Brandon StainesOption 1: do nothing you stay on mortgage and good is you still own 50% of house but bad is if she defaults then it hurts your credit tooOption 2: have her buy you out but that would require a new mortgage at a much higher rateNot much else you can do.

Aloha,Keep in mind, NO credit is usually far better than BAD credit...and credit is only one element of your screening criteria.

@Sandra Ho, It sounds like you are talking about late payments on their credit report for things like credit cards, car payments, student loans, etc.

Should I check into local smaller banks here or Credit Unions? 

My first attempts to get a loan ended in some pretty humbling experiences (getting laughed out of a couple of banks due to zero credit history).Fast forward to today, and after building up some credit, a stronger W-2, and a solid professional background, I’m finally back in West Palm Beach, Florida, looking to make my first deal happen.

CA taxes residents on worldwide income but may provide a credit for taxes paid to other states.

When you say credit partnership, are you talking about someone loaning you money?