If both spouses are on the loan, lenders use the lower middle score between the two as the qualifying score. If only one spouse applies, only that person’s credit is used — but in community property states like Texas, the other spouse’s debts may still factor into the debt-to-income ratio. Many couples apply with just the higher-credit spouse when it makes sense.
Will my spouse’s credit score matter for my Texas mortgage?
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About the Author: Logan Skidmore
With over two decades of deep-rooted experience in the financial and property markets, Logan Skidmore is a powerhouse in the credit restoration industry. As a co-founder of The Credit Repairmen in 2011, Logan has established himself as a preeminent expert in credit score optimization, strategic repair, and the laws that govern the credit and credit repair industries.
His journey into advocacy began with an 8-year tenure as a mortgage loan officer, paired with 22 years of active real estate investing—roles that revealed the critical, often life-changing impact of a healthy credit profile. Driven by the desire to help others navigate the complexities he witnessed firsthand, Logan co-founded his firm to provide elite, law-based solutions that empower clients to reclaim their financial freedom and achieve their homeownership goals.
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