- When did you close (or lock your rate) on it?
- What rate did you receive?
- Term (15, 30)?
- Did you buy mortgage points?
- Lender?
Spouse Income My spouse isn’t a U.S. citizen and doesn’t have a SSN or ITIN. So we can’t put her on the mortgage. When it comes to D:I ratio, how can we include her income and/or savings (since she buys our groceries, clothes, etc. but through her bank account)? Should we be transferring money from her German bank account to my U.S. account? Or depositing cash into my account?