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You wrote, My credit score acc to Discover is 707. ... My husband's score is 760 but my understanding was that it is the lower credit score that leads.

FWIW, this is the reason I never put my ex-(wife at the time) on my refinances. Having her on the loan would have either raised the rate or disqualify us for the loan.

The lenders were willing to do this as long as she was willing to sign a waiver at closing. Fortunately my income was sufficient on its own and she never had a problem signing the waiver.

- Joel
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