what would my interest rate be on a house with this credit score?

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me and my wife are buying our first home through a va loan, although my credit score is rated 673 hers is 591 and they use the lowest of both scores what would my rate be on a fixed 30yr mortgage on a house that costs 156,000.
should i try to buy alone instead of a joint application? would that help or hurt?

  1. Reply
    February 13, 2011 at 9:50 pm

    probably mid 6% range as you will have a hit to the rate because her scores are low

  2. Reply
    February 13, 2011 at 10:33 pm

    When you purchase a home, a lender will request both credit reports, no way to get around this.

    Does she have any credit cards?
    Paying them off in full will pick up that score quick.

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