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Applying for morgage unmarried

If my wife has bad credit, can i apply for morgage unmarried/ by sanderspete50 from Hermitage, Tennessee. Oct 22nd 2013 Reply


Jason Bojonny (Coast2Coast)
#74 ranked lender in Maryland - 53 contributions

Yes you can apply for the mortgage in just your name, depending on the state that you live in your wife might have to be on title but the loan can be in just your name.give me a call and I would be happy to help you get a pre-approval. 877-580-2006 ext. 103

Oct 22nd 2013
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 4,843 contributions

No one other than yourself needs to be on the loan application. In some community property states, if you are married, the spouse may not be on the loan, but her debts may be included in your qualifying debt ratio.

Oct 22nd 2013
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Nancy J Releford (nancyreleford)
#4 ranked lender in Tennessee - 233 contributions

I see your located here in TN. You can do the loan without your wife being on the loan. Just click on my picture & it will take you to my company information & contacts. I am located in Murfreesboro, TN. Give me a call to discuss. Thanks

Oct 22nd 2013
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Phil Dumouchel (PhilDu)
#32 ranked lender in South Carolina - 2,249 contributions

If you are married you have to declare that on the application but there is no issue with leaving your wife off the loan. All the qualifications will be based on your income.

Oct 22nd 2013
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Jason Vondrak (jvondrak)
#221 ranked lender in California - 1,741 contributions

You can apply for the mortgage by yourself and leave your wife off the mortgage due to her credit.

Oct 22nd 2013
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Thank you for answers, but can she help pay for morgage or it is not allowed

Oct 22nd 2013
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Mike Silkworth (msilkw_195_870)
#29 ranked lender in Michigan - 531 contributions

She can absolutely help pay the mortgage.

Oct 22nd 2013
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Phil Dumouchel (PhilDu)
#32 ranked lender in South Carolina - 2,249 contributions

Anyone can help you pay your bills, but neither her income (nor her debts/credit) will be counted in qualifying you for the mortgage.

Oct 22nd 2013
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Pete Bass (PeteBass)
#30 ranked lender in Connecticut - 476 contributions

You can apply for a mortgage- you will list yourself married on the mortgage application- you will have to qualify for the mortgage with just your income anddebts ( DTI) .

Oct 22nd 2013
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Mike Silkworth (msilkw_195_870)
#29 ranked lender in Michigan - 531 contributions

You must disclose your correct marital status as married, but you can go on the loan without her. Different States look at information needed from you wife differently, which is why it is important to use a Local Lender - it is best to get recommendations from your REALTOR. Good Luck.

Oct 22nd 2013
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