Can I get a single credit report for unmarried co-borrowers?

The Lender must obtain a credit report for each Borrower who will be obligated on the mortgage Note. The Lender may obtain a joint report for individuals with joint accounts.

For additional information see Handbook 4000.1 II.A.4.b.i; II.A.5.a.i at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.


Topic Number: KA-04837