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What if I’m applying as a co-borrower?

If there’s a co-borrower, it’s typical for lenders to use the score of the borrower with the lower credit. It’s recommended that the person with the higher credit score apply to get the best terms possible. (You can still have both names on the title.) However both people may need to apply if more funds are needed for your down payment, or to improve your debt to income ratio.

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