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fha loan

I am married, however only my husbands name is on the house loan and titile. Would I be able to purchase a second home using an FHA loan by myself? I have owned a home before but it was several years ago. Also, I realize an FHA loan is for your primary residence. I would like to live in it! by tamisinc from Oakdale, California. Jan 25th 2011 Reply


Hans Bruhner (Hans Bruhner)
#132 ranked lender in California - 122 contributions

The easy answer is no, it will not work. FHA specifically looks at the spouses debts and counts them against you. This does not happen on a conventional loan. For an FHA loan, you need to provide your spouses credit report and when we see the other FHA loan we would be done.

Jan 25th 2011
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Fernando Albarran (fernando)
#56 ranked lender in Arizona - 26 contributions

There are few instances where you can obtain an FHA loan; - Job Relocation (needs to be significantly far from your current home) - Divorce/Separation where spouse was awarded the current home. - Current Home is not an FHA mortgaged loan. Please do email me more details as there could be a way somewhere in there. info@wjbonline.com

Jan 26th 2011
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Jan 25th 2011
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