home loans - mortgage refinance second mortage

Cayenne127925 asked:

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Tammy

Jimmy B asked:


1) My credit score is 612 (Im working on improving it right now), and my wife’s is above 700. We will be looking to apply for a home mortgage mid-2009. Our combined income is over 100,000, and we are first time home buyers. We plan to apply through our credit union for the mortgage. Will we be approved?

2) Also, need help understanding debt-to-credit ratio. Will our student loans affect our chances of being approved? (we are not late on any payments)

3) Also, I am an authorized user for my wife’s credit card, so my debt-to-credit ratio is higher because she has almost maxed it out. Should I be taken off the card so my ratio goes down?

FLOYD