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Destinylaw · Joined: 11 Nov 2009 Posts: 1 1.32 Dollars($)

We got married last year adn I have never owned a home. Could I qualify by myself and not have his name on anything?

ryan · Joined: 11 Nov 2009 Posts: 1 1.19 Dollars($)

Rather than answer this question straight out, I would recommend speaking with a real estate attorney in your state that can advise you based on local law. Most real estate attorneys will answer the question for free if they think they'll get your business in a purchase down the road. Good luck.

Deliberately,
Ryan

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cupplesjonathan71 · Joined: 04 Nov 2009 Posts: 82 0.00 Dollars($)

Destinylaw

A lot depends upon state law. apart from that your credit score should be more than 620.

savior70 · Posted: Thu Nov 12, 2009 4:34 am Post subject:

To Destinylaw,

You can surely qualify for a home loan on you own, provided your credit score and income are sufficient to get you approved for a loan. The house, which is in foreclosure, is in your husband's name. You did not sign on the mortgage that he defaulted on. Am I correct? In case I am, then the foreclosure will not affect your credit in any way and you will be eligible to apply for a new mortgage.

raymond · Posted: Thu Nov 12, 2009 8:31 am Post subject:

>>Could I qualify by myself and not have his name on anything?

Yes.

If you live in a community property State, they'll consider it 50% his, even though his name won't be on Title.

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My husband owns a house that is in forclosure...