This could be true or false. 

Under certain loan programs, we DO NOT have to look at a spouse’s credit.

But what if you need their income to qualify? Then we may need to count their credit, in which case the loan rate would be based on their credit score.

So, if you have a spouse who’s had credit challenges in the past, have them call me to work on their credit (yes, I help people improve their credit).  

Or call me to inquire whether or not you even need their income to get the home or the refi that you want.