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First Time Financing Questions

Hey all!

My husband and I are looking at getting our first house sometime this year under FHA or USDA loans. My credit score is sitting at 735, and I make around 35k a year, with little debt. My husband makes about 50k a year with a 600ish credit score. He has a good amount of credit card usage due to some events that have happened this year.

I know our chances aren't looking the greatest, but are there options of talking to a lender and seeing if they would let me just apply and see what we would qualify for? Or is there for me to apply by myself, and add just his salary to the application? It would leave his credit score out.

What are our chances of being able to qualify for anything? If anyone has any insight on it please help!

submitted by /u/fromkasetocan
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source https://www.reddit.com/r/RealEstate/comments/fa86q1/first_time_financing_questions/
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