Hey guys, sorry if wrong sub. My wife and I are looking to purchase rural land and build a future homesite thru a farm credit union.

    We both make around $70k a year. This will put us higher than average household income in area we are planning to move. She is a lot better at saving than me. By that, I mean I pay some bills and usually spend the rest..

    Our accounts are seperate. She has over $60k in savings and I have around $3k.

    After monthly expenses including our mortgage and spending money we have a combined total of $2,200 left over each month. Both vehicles are paid off and we have managable credit card balances.

    Q1: When a loan officer is going over our accounts, would it help if a few months prior (to season the money)my wife fluffs my account?

    Q2: Would that help make us both look more financially stable to a lender?

    Should my wife boost my checking account or does it not matter?
    byu/FightingTolerance inRealEstate



    Posted by FightingTolerance

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