USDA – Credit Score for Joint Applicants – If the co-borrower has no credit score, can we use the credit score of the borrower to take advantage of better pricing?

Answer: Even though USDA does not set lender pricing or lock policy, I can tell you from experience that I’ve never been able to use the higher of the two scores to get a better lock price.  So, in your case, the zero score would be the score used, which is unfortunate because that pricing [...]