When it comes to getting approved for a mortgage, many borrowers worry their credit scores might hold them back—especially in a joint application. But did you know there’s more flexibility than you think? If you’re applying with a co-borrower, you may qualify using a blended credit score — a lesser-known but powerful option that can open the door to homeownership even if one score is lower.
A blended credit score is the average of the middle scores from two borrowers. For example:
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Borrower 1: 590 | 619 | 648 → middle score = 619
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Borrower 2: 661 | 693 | 693 → middle score = 693
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Blended Score = (619 + 693) / 2 = 656
This strategy can help you meet loan program requirements even if one borrower falls below the minimum credit threshold. Certain lenders allow blended scores starting from 620, making it a game-changer for couples or partners with mixed credit histories.
Credit scores aren’t the only area where flexibility matters. I work with a full range of mortgage solutions to help you qualify — even if your situation doesn’t fit the typical mold. I’m not just checking boxes — I’m crafting solutions. Whether you have complex income streams, multiple properties, or a short credit history, I structure your loan to highlight your strengths.
Ready to Talk Strategy?
Let’s look beyond the numbers and build a loan plan that works for you. Whether your score is 620, 720, or you’re still working your way there. I’ll help you explore every option available.
📞 Call me (510)-542-7834 today!
Tina Bui – Your Trusted Mortgage Advisor