When applying for a USDA mortgage or home loan separately in a?
I work in USDA direct loan mortgages in a non community state. Speaking only as myself, here's what I can tell you. USDA direct and guaranteed loans are an asset and income sensitive program. Assuming your husband is not on the mortgage, they will not look at his credit, but they have to check his income and assets to determine program eligibility. If your husband is on the mortgage, a joint credit report will be pulled. I hope that answers your question. Good luck with your home purchase.