I'm considering taking out a physician mortgage loan. Long story short my credit is good (over 720). My spouse's credit is bad (and I mean baaaaaaddddd, like well sub 600). I don't see that getting fixed any time soon in spite of my efforts. I'm the only one of the two of us employed. Will her credit score matter since the loan is based on my income? Or do they take that into account and I'm SOL? I've googled this stuff and I can't seem to find an answer.