If the spouse’s income is being used to qualify for the loan, then the bad credit will be used for qualification purposes. If the income is not being used, the spouse with good credit can apply is his or her name only and the application will be approved or denied based upon that spouse’s information only.

That would depend on whether or not the spouses income is to be considered in the mortgage. Even though their credit score may be low, the mortgage lender needs to know if you can afford it on your own or do you need the additional income (if the spouse is employed).

The VA does not loan money for homes, it simply backs a portion of the loan.

Hope this answers your question.