The above link is to an article I wrote: It is a little info about the' FHA Non-Occupant Co-Borrower Loan'.
Mom can certainly add income to YOUR loan and hubby can be left off.
A couple of things:
1. Any debts on his credit report will be added to your loan file.
2. Any tax liens or judgments on his report can get the deal denied.
I am a loan officer in Texas.... That has actually done several of these deals.
No credit tricks.... Just straight up loan guidelines.
Let me know if I can answer any specific details for you!!
(214) 763-4629 cell/text/nights/weekends(Really!!)
Lending all across the entire Great State of Texas!!
Search Dallas area MLS for FREE. No registration => http://www.ntreisinnovia.net/cgi-ntr/BR_login?0501134
Regards and good luck to you