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Spouse eligible for FHA loan?

I purchased a home under an FHA loan in 2002 and got married in 2008. In 2010 the house went into foreclosure but I was able to sell it to avoid the foreclosure. Now I am getting a divorce and would like to know if my ex-spouse is still eligible for a FHA loan on her own. She was never on my mortgage and I purchased the home 6 years prior to marriage. by Roboto_120_422 from Albuquerque, New Mexico. Dec 7th 2011 Reply


Brian Allen (ballen)
#43 ranked lender in Maryland - 191 contributions

Yes, provided she has the required credt score requirements nothing below 640 and has 2 years employment and down payment. I can get you prequalified with more information. I can be reached at ballen@accessnational.com

Dec 7th 2011
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Vatche Saatdjian (valleywest)
#4 ranked lender in Nevada - 7 contributions

Hi, the answer is yes. She would have to qualify on her own income and job history. She must have a minimum Fico score of 620. I have helped many clients in this very situation. I can be reached at 702-696-9900 or 888-931-0007 or by email Vatche@valleywestmortgage.com. I hope this helps and look forward to talking to you.

Dec 7th 2011
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Joe Metzler (JoeMetzler)
#18 ranked lender in Minnesota - 3,727 contributions

The foreclosure question is YES, simply because she was never on the loan. Of course she will need to meet all standard FHA loan qualifications for any need loan. Contact a local licensed mortgage professional and go buy that new house!

Dec 8th 2011
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Michelle Curtis Loan Originator NMLS 401173 (EmbassyFundingLLC)
#28 ranked lender in New York - 2,238 contributions

We can go down to a 620credit score if needed. Michelle & Benny 201-962-3555 Teamambassador@BestMortgageOption.com

Dec 8th 2011
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Raymond Denton (Raymond)
#11 ranked lender in Ohio - 224 contributions

>>would like to know if my ex-spouse is still eligible for a FHA loan on her ownYes.

Dec 8th 2011
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Pam Schubert - VA certified loan specialist (pschubert)
#17 ranked lender in Wisconsin - 24 contributions

Yes, your ex-spouse is still eligible for a FHA loan on her own. She had no tie to the debt since you purchased the home before you married her. Even if you were married to her she would be eligible as long as her name was not on the note. We do have a source that will allow us to go down to a credit score of 600 if needed. Call me at 920-410-2646 or send me an email at pschubert@phewholesale.com. We are in Wisconsin though.

Dec 8th 2011
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