If one spouse has strong credit and sufficient income to cover the mortgage alone, applying as a single applicant is often the most effective "quick fix".
: You cannot use the non-borrowing spouse's income to qualify, which may reduce the total loan amount you are offered. buying a house when one spouse has bad credit
“We considered doing this... We wound up not doing it but we were going to get a post-nup if we did it so that the spouse not on the mortgage would still have to pay.” Reddit · r/FirstTimeHomeBuyer If one spouse has strong credit and sufficient