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Use fiance income qualify mortgage if past bankruptcy?

My fiance earns a good income but filed for bankruptcy in the past. Can we still use her income to qualify for a bigger mortgage?

Michael Jensen, Mortgage and Finance Guru
, Mortgage and Finance Guru

In short, if you want to include your fiance's income on your mortgage application to qualify for a larger mortgage amount then the lender will review her credit report and score and likely use the lower score between the two of you. We provide a detailed overview of how your credit score impacts the mortgage process on FREEandCLEAR. In the case of a bankruptcy, most lenders apply certain waiting periods before a borrower is eligible to apply for a mortgage. These waiting periods are shorter if the borrower experienced an extenuating circumstance that led to the negative credit event. Divorce typically qualifies as an extenuating circumstance for most conventional mortgages. We also provide a thorough overview of the mortgage waiting periods following negative credit events on FREEandCLEAR. Please note that even if your fiance is beyond a waiting period required by the lender, her credit score may still be affected by her bankruptcy and therefore make it challenging for her to qualify for a mortgage.

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About the author

Michael Jensen, Mortgage and Finance Guru

Michael is the co-founder of FREEandCLEAR. Michael possesses extensive knowledge about mortgages and finance and has been writing about mortgages for nearly a decade. His work has been featured in leading national and industry publications. More about Michael

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