re: House Mortgage Question

She needs to add him to her credit cards, you can't be an authorized user on accounts unless your married to them. If UW sees an AU account the lender will make them remove the account and rerun credit. They don't need to shop around. Underwriting guidelines are the same for all conventional lenders. they can qualify for a non conventional lending but that's a horrible idea. If they can't qualify on just her income they need to build his credit and then buy a house. Also Fannie/Freddie are going to require 1yr of credit history before they approve him. BTW I am a mortgage lender so I am not just spouting non sense