If you apply for a mortgage using both your incomes, the lender will likely look at each of your 3 FICO scores (in other words, 6 scores total). The one FICO score they will consider is the lower of the 2 middle scores.
For example, if your scores are 650, 725, 730 and hers are 580, 620, and 650, they will use 620 as the score to determine the APR and terms of the loan.
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