Not only would I say that is fair, I would say it is a gift.
I would have no idea how to get you any mortgage with a credit score of 513. Did you misprint the credit score? Maybe 613??
I would have no idea how to get you any mortgage with a credit score of 513. Did you misprint the credit score? Maybe 613??
I agree with John. If your wife is on the loan with that credit score, then you are getting a great rate.