Angey, Home Buyer in Tuscaloosa County, AL

Can a husband apply for fha loan by himself?

Asked by Angey, Tuscaloosa County, AL Wed Mar 28, 2012

Help the community by answering this question:


Yes he can. A spouse in AL is not required to be on a mortgage. To qualify for an FHA mortgage, only your husband's income can be used if you are not on the mortgage as well. HUD does allow a spouse to be on title but not on the mortgage.

Rodney Mason, NMLS #151088
Sr Loan Officer
Prospect Mortgage
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
Apply Online at
Licensed in Alabama & Georgia

Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePath® | HomePath® Renovation | HomeStyle Renovation | VA | USDA | GA Dream | Jumbo Financing
0 votes Thank Flag Link Wed Mar 28, 2012
The answer is "yes," but in community property states, the spouse's obligations (but not credit score) would need to be factored into the debt-to-income (DTI) ratio. If you have any questions or need a list of community property states, please let me know.
0 votes Thank Flag Link Wed Mar 28, 2012
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