mortgage refinancing?

Question by melissa: mortgage refinancing?
my spouse is in process of refinancing on home. My credit score is slightly below to receive a certain rate. If he still does refinance and when my credit score goes up slightly can I be added to new mortgage? Can this be acheived without changing the percentage rate he locked in at?

Best answer:

Answer by Caveat Emptor
You/he would probably have to refinance again to “add you” to the mortgage. You do NOT want to be “on the mortgage” unless you are also “on the property title.” Title and loan are two different things.

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