Don't rush to buy with bad credit

Home Sale Hindsight

Q: I found an affordable house in South Carolina, but my husband’s credit scores are not up to par. What can we do?

A: There’s an organ in the human brain called the reticular activator. This is the place in your brain that causes pregnant women to suddenly notice scores of baby bumps everywhere. Buy a new car, and within 24 hours after driving it off the lot, you’ll see more cars of the same make and model as you now drive than you have ever seen in your whole life combined.

So, it might just be that my reticular activator is on Valentine’s Day mode, but as the day we’ve set aside to celebrate love draws near, I’m receiving more and more questions from readers about challenges in buying homes and qualifying for a mortgage with their mates — husbands, boyfriends and girlfriends. And yours is one of the more common ones: One partner’s income, job history or credit doesn’t pass muster. What next?