Can non-earner wife get mortgage?

[Harpreet Singh]

Household income more than qualify for investment property mortgage. Can the mortgage be under my wife’s name (she is stay home mom)?

[Andrew Postell]

@Harpreet Singh as mentioned above you can 100% do this. There are plenty of lenders who will lend without income from a borrower.  It is easier to get these loans on investment properties than primary homes...but since this is an investment site I will work under the assumption that you need it for an investment property (but sometimes people are looking for some other property type).

@Anthony Gayden sometimes lenders call these "Non-QM" loans.  Sometimes they are called "commercial" loans.  Sometimes they are called "portfolio" loans.  Lots of different names so when interviewing lenders just ask if they can lend "over 10" and that should get you in the right direction on it.  These loans will generally have different terms to them.  Some are just 15 year loans, some will have adjustable rates, some may have pre-payment penalties, and some will have ALL of those.  So make sure to ask about the terms too.  If they just tell you a rate...that's not good enough for these loan types.  We need to know everything about them.

Hope this helps!