{ "media_type": "text", "post_content": "Wife may consign my SoFi refinancing of my MBA loans; however, we want to buy a house soon, and are worried her co-signing would drop her credit score due to utilization. Cont.", "post_id": "5884f9da9cb74400169c201a", "reply_count": 5, "vote_count": 1, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting", "feed_type": "crowd" }

Wife may consign my SoFi refinancing of my MBA loans; however, we want to buy a house soon, and are worried her co-signing would drop her credit score due to utilization. Cont.

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Do not cosign that is a mistake! Keep it separate because if you die she's stuck with it!

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Getting a loan from sofi doesn't impact utilization. Utilization is only for revolving credit lines like a credit card

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But if we're applying for a mortgage, wouldn't lender consider both our student loans, anyway? If her score drops (currently she's >800), should I just refinance without her?

It's a difference of 25 basis points for my refinance rate, but I'd imagine the delta in interest payment over time would pale in comparison to interest rates for a mortgage.

Go to a free house buying seminar offered by your city/state. I went to one by VHDA and someone went through my report and offered suggestions and how to keep your bank account clean. Without it I wouldn't have known to not have any large cash deposits within three months of the mortgage, they ask for the bank records of who gave you the money. Think family gift. They would be able to answer your questions.

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