My wife and I have bought and sold numerous homes individually even though we're married. Robert is right; as long as you personally qualify for the loan your fiance won't even need to be on the loan application. Be aware though, that because MO is a common law state, once you are married, he will own half the house, even though he's not financially liable to it.

Even if you are married, if you can qualify for the loan by yourself without your husband being on the loan your won't have a problem. They will not consider his credit history if he is not on the loan. Even though you are married.

Good answer Terry. If you qualify to purchase the house on your own..do so.

You may be better off buying a home before you get married with the loan and house in just your name if your credit and income qualify for the MHDC loan program. If you have never or not in the past 3 years owned a home in your name, you would qualify for the first time home buyer loan programs that advance you some of the $8,000 you would receive as a tax credit refund to give you your downpayment and closing costs. Let me know if I can help.