Final answer:
Yes, your spouse's credit score is usually considered when applying for a mortgage.
Step-by-step explanation:
When applying for a mortgage, the credit scores of both spouses are typically considered by lenders. This is because lenders want to assess the financial stability and creditworthiness of both borrowers. A higher credit score can increase the chances of getting approved for a mortgage and getting a favorable interest rate.
For example, if one spouse has a high credit score and the other has a low credit score, the lender may consider the couple's combined creditworthiness. However, if one spouse has a significantly lower credit score or a poor credit history, it can affect the overall mortgage application and may impact the amount that can be borrowed or the interest rate offered.
It's important for both spouses to maintain good credit scores by making timely payments and managing their debts responsibly.