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Refinancing without a husband now

I purchased a home with the plans of getting married that same year. Luck would have it that we are not getting married anymore, but the documents state that we are. If I plan to refinance, do I need to continue stating that I'm married or change it to single? by jennie_930_376 from Bakersfield, California. Oct 17th 2011 Reply


Joseph Afonso (jafonso)
#64 ranked lender in Arizona - 196 contributions

You can change it to say that your single but you may be ask to prove it.

Oct 17th 2011
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Hi Jennie. When you refinance, you want to state the facts. If you are in fact single, then put down single. However, if you were married before and are now divorced, you would be unmarried. Call direct for any further question at (909) 630-2029.Thanks Jennie,Matthew Rundle

Oct 17th 2011
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Bert Carpenter (BertCarpenter)
#38 ranked lender in Arizona - 1,815 contributions

In lending, it is understood that circumstances change. Weddings fail to occure, Marriages end in divorce, single people become married, etc. If you are not maried and state that you are, that would considered fraud. The fact that your marital status did not change is really immaterial. Go ahead and apply for the refinance, but do state that your are single, and if you are asked about why your status isn't married (which is doubtful), answer truthfully. If you are looking at an FHA streamline refinance and your former fiance is also on the current loan, that is a different issue, but otherwise the circumstance you state should not be an issue at all

Oct 17th 2011
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Shon Atabaki (ShonAtabaki)
#51 ranked lender in Washington - 95 contributions

Many good responses here already. I would add that if your current refinance is going to be based on the HARP program, as with an FHA streamline scenario, you will need to document that you are single & provide evidence that you have been solely responsible for the mortgage payments on your current mortgage. Best of luck!

Oct 17th 2011
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Austin Soutas (ocforeclosurehelp)
#436 ranked lender in California - 10 contributions

You will have to put down that you are single due to that you are the only income for the household now.call Austin Soutas directly and I will be glad to help you949-229-1652

Oct 17th 2011
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William J Acres (William_Acres)
#1 ranked lender in Arizona - 8,414 contributions

Curious... if you were never married, then nothing should have show you were, and you should be able to refinance as "unmarried"... The application asks your marital status at the time of application, it doesn't ask what your anticipated marital status is... WilliamAcres.com

Oct 17th 2011
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Andrew Ojeisekhoba (andrew@pmcmortgageloans.com)
#411 ranked lender in California - 3 contributions

You must change it because it would be the truth. When asked if you had a divorce, write an explaination letter of the truth. Your prvious loan officer shouldn't have put you as married on your loan application in the first place. This is your best option.

Oct 17th 2011
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