Really, credit score too high ?

[Seeker]

Right. But but then shouldn't I have a lower score since I'm not the "ultimate" lendee? LOL

Yes, but in a mortgage "title" is usually joint. If your husband cannot pay for whatever reason, they'd be looking to you.

Your "combined" score is high. And yours is a "little too high." Yes, he could have been making conversation... and he may have been testing the waters.

Generally couples shop around for mortgages, they try to get the best deal.

He could have been thinking that they (the two of you) have good credit and can get x% here, x points, etc.... but maybe another company can offer them better if the two of you shopped around. He may even have known another company where you might get a better overall mortgage under your excellent credit rating.

I'd be shopping around in either case.... looking for a better overall deal. Just simply because spending on a house is the one most major costing item regardless.

I wouldn't trust the quotes of the first place I had stepped into.

[Katharina]

I would go back to the loan officer and ask him what he meant by it. The lenders are doing interesting things these days.

[eeyoresmom]

Yes, but in a mortgage "title" is usually joint. If your husband cannot pay for whatever reason, they'd be looking to you.

Your "combined" score is high. And yours is a "little too high." Yes, he could have been making conversation... and he may have been testing the waters.

Generally couples shop around for mortgages, they try to get the best deal.

He could have been thinking that they (the two of you) have good credit and can get x% here, x points, etc.... but maybe another company can offer them better if the two of you shopped around. He may even have known another company where you might get a better overall mortgage under your excellent credit rating.

I'd be shopping around in either case.... looking for a better overall deal. Just simply because spending on a house is the one most major costing item regardless.

I wouldn't trust the quotes of the first place I had stepped into.

We did " shop around". What, from my posts makes you think we haven't???