Does your spouse have to be on an FHA loan with you?

3 Replies

Is your spouse required to be on an FHA loan?

No, but in the 9 community property states (California is one, I have no idea about SC), we must consider the spouse's credit report debts even if we do not consider her FICO score or income. 

Not in Florida.  I often will drive one person's credit up, help them qualify for a mortgage and purchase a home and then go back and do the spouse.  Ask your lender to be sure about your area.

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