I have a couple that is wanting to go USDA. His wife turns 18 mid November. Can she be on the loan if she is not 18 yet? Good credit score for him. No credit for her. He does not qualify on his own without her income.
I do not know this answer off the top of my head. My gut says, “no”. Not until she is a legal adult. Then, I would be worried about her not having a credit score. Will you be able to obtain a GUS approval with only one borrower having an eligible credit score. You may be downgraded to a manual underwrite which will have more restrictive DTI requirements at a minimum and may require alternative credit to be built. Call your local RD office. Check with an Underwriter.