scoring

[GLOAT]

Anyone using Co-Borrower's(Spouse) score regardless of income contribution?

[mknight]

Nope, need 30% over here.

[Erik]

First Franklin's Best Score program.

[Greg]

Nah they want a % still. Sorry I have not seen anyone. I remember an A/E posting on here about one where they could do that I thought. I tried to search and so many came up I quit.

[GLOAT]

I'm pretty "in-the-know" on this topic, but I think I'm missing somebody.

OOMC
BNC Delta
First Franklin

All need 30%, except First Franklin. They need 20%, plus Delta has alot of small print. Here's my issue:

Husband and Wife. They got seperated a few years back. She got issued Child Support for the kids. Now, they're back together. Dhe's a full-time student, with only the Child Support he pays her for income($700/mo.)

He makes $2,600/mo. $3,300/mo. jointly.

30%= $990 & 20% = $660

Would work @ FF, but get this, FF won't allow it because of same household, but they are gonna' count the Support he pays in the DTI.

Primary(Him): 550 mid 1x30 w/current mtg. in his name only.
-CH.7 BK Discharged 03/2001
Co(Her): 626 mid
-CH.7 BK Discharged 02/2006

I got him solo @ 95%LTV EA-II on Flex, but it's kind of important to them that they both be on loan and they need 95%LTV ofcourse.

Full Doc, O/O, SFR, Suburban
PP=125K