1. In order for an Underwriter to exclude this debt from your obligations the payment would have to have been in place for 12 months or longer and supported with documentation to show the other party makes the payments (not you). Anything less than 12 months and the debt is counted against your income.
2. Your husband should refinance the auto loan out of your name immediately. If you are separated and potentially heading towards divorce, why would you want to be responsible for his debt? Consult an attorney for further advice on this legal topic.
Best, Terry Bell, Realtor, Santa Rosa, CA
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If your husband gives you the last 6 months bank statements showing the auto loan is taken out of his account and the laon papers (showing it will be taken out of his account), then many underwriters would not count the auto loan against you.