Is one credit better than the other?

Account for it and ask for either some type of seller credit or price reduction to make more sense of the deal (Before or while you're in your inspection period). 

Have you ever had your credit pulled for a mortgage application and within a few hours your phone is blowing up with calls and text with random mortgage companies reaching out?

Michael,The quote you have from that loan officer is a bit high for that credit score.

I'm familiar with Home Equity line of Credit and home equity Loans.

Here are the details:**Option A:** - Rate: 6.125% - Credit: $2,300 towards closing costs **Option B:** - Rate: 5.7%   - No credit towards closing costs I'm trying to determine which option is the better deal.

Most banks pull payments at midnight and also credit payments into the account just after payments are pulled. 

You should be in the 4's now with good credit.

I can't see how a partner would hurt how much you qualify for as long as they have an income and better than horrible credit.  

Verifying last 2 years of rental history very important!