Souse on Deed

[Cecelia Mitchell]

My husband would like to purchase his first " house". I purchased our first home over 14 years ago.  My husband was not on the mortgage but I had placed his name on the deed.  Now my husband is being told that he needs to have 20% down to purchase a house because he is on the deed for my home! Is this a hard fast rule in purchasing real estate? Why does this rule exist? Is there a way to circumvent this? Your thoughts are greatly appreciated.