I am a first time homebuyer (or hope to be) I make about $30,000 a year, I've been on my job a little over a year, my credit is probably around 650, and I am married. My husband's income will go to help pay for the house payment but he doesn't want to be included on the loan because he has owned a house that has been foreclosed on before so he thinks that would hurt our chances of getting the loan. I've never done anything like this before and I don't even know where to start.
If his income is included so is his credit score, if you want it only on your own you are goin gto have to go with only your income. Just so you know because you are married and he had a home previously you will not be eligible for the 8K