Tag co-borrower

Interest Rate

How Co-Borrowers With Mismatched Credit Scores Affect the Interest Rate on a Joint Loan

Two people reviewing a joint mortgage application with credit score reports and interest rate documents on a desk

A 660 vs. 760 credit score gap on a $378,000 joint mortgage can cost over $56,000 extra in interest. Here's how lenders set the rate and when applying solo makes sense.

Marcus Delgado
May 26, 2026

Mortgage Rates

Co-Borrower Bad Credit Mortgage Rate: When It Costs You 0.75% or More

Comparison of mortgage rates for primary borrower versus borrower with co-signer with bad credit

A 630 credit score co-borrower can raise your mortgage rate by 0.25–0.75%, costing $130–$200 monthly on a $400K loan. See when adding them actually makes sense.

Marcus Delgado
November 22, 2025