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Can you buy a house while married and leave spouse off loan?

My wife and I are going through a divorce and its going to be another 3-4 months before all is done. I have the means and credit to buy a house, I even have one picked out. I know there has got to be a way to buy this house and leave her out of it. I'm a grown man living with my parents, brilliant, right? I got to get out of here and don't want to rent, I havent for years. Please help!!!

AnnAnderson1015's picture
AnnAnderson1015 | Joined: March 30, 2009 09:55 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Any time you have some type of court case or action in court the lender would like to know. This is one of the question that is ask in the loan application (1003). The answer to your lies in the courts decision for your divorce, is it final? If the answer is yes, then you can definitely buy a house, but if it is still in dispute than no.

In many states the spouse is automatically place on title/deed, even if the spouse did not sign on the mortgage. The spouse becomes part owner of the estate. Keep this in mind.

I would recommend to wait until your divorce is finalized to buy anything.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 01:34 | Post subject:

gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i don't know about any automatic placement on a title, but i suppose anything's possible in these times.

there's no reason to hesitate, in my opinion. you ought to, at the least, go about the process of prequalification and see what you can purchase based on your current information. being in a divorce case isn't that big a deal insofar as "are you suing/being sued" questions on a loan application. if you're going to be obligated for child support or alimony, that will be a consideration, of course.

your attorney will have a better handle on the laws of your state, so consult with her/him to see if there's any issue with you purchasing prior to the dispensation of the divorce case.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 01:34 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

my question Is Can you buy a house while married and leave spouse off loan?

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 01:34 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Can you buy a house while married and leave spouse off loan? is my question

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 01:34 | Post subject:

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

depends on state, but usually the 'spouse' would have to
quit claim' their interest in the home, and you would take title as
'married, sole and separate property'
ie....the spouse would have to be aware of what you are doing

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 01:34 | Post subject:

Realgeni's picture
Realgeni | Joined: April 13, 2009 08:03 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

guadalupe sandoval

Welcoem to the forum

Yes you can buy a house while married and leave your spouse off the loan, as logn as your incoem can support eh required loan

Good luck and feel free to ask

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 01:34 | Post subject:

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