Should my wife boost my checking account or does it not matter?
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?