Help WTH????🤦‍♀️ So many people don’t know about this. The lowest middle score of all borrowers is used to determine the financing program, interest rate and even private mortgage insurance rates. If you need the income of the lower credit score borrower to qualify…you use their credit score. This is why we suggest all first time homebuyers sign up for our Highway2Home free program. This program offers help in enhancing your credit, saving for downpayment, info on downpayment assistance program