In a word; yes.
This is from the HUD 4155 which is the underwriting guidelines for an FHA loan;
D. Non-Purchasing Spouses. If required by state law in order to perfect a valid and enforceable first lien, the non-purchasing spouse may be required to sign either the security instrument or documentation evidencing that he or she is relinquishing all rights to the property. If the non-purchasing spouse executes the security instrument for such reasons, he or she is not considered a borrower for our purposes and need not sign the loan application. In all other cases, the non-purchasing spouse is not to appear on the security instrument or otherwise take title to the property at loan settlement.
Where there are non-purchasing spouses who sign security instruments relinquishing their rights to the property pursuant to applicable state laws, these non-purchasing spouses do not have to sign the mortgage note. Signing the security instrument for such purposes does not make the non-purchasing spouse a co-borrower.
Except for the obligations specifically excluded by state law, the debts of the non-purchasing spouse must be included in the borrowerâ€™s qualifying ratios if the borrower resides in a community property state or the property to be insured is located in a community property state. Although the non-purchasing spouse's credit history is not to be considered a reason for credit denial, a credit report that complies with the requirements of paragraph 2-4 must be obtained for the non-purchasing spouse in order to determine the debt-to-income ratio.
So, in closing, yes. However, know that you may have to shop around for a lender who is willing as some may have what is referred to as investor overlays which are conditions for loan approval on top of the HUD 4155.
If you need an originator, let me know.
Hope this helps :)
The factors are his credit score and debit to income ratio. I have some great lenders if you need help in the 53144 zip code. This is the best time to buy a house, so it's really important to see where you are credit wise. If for some reason he is not ready, there is always credit repair programs. I have a few great contacts for that as well.
You're correct; most have overlays and make this difficult. However, while you're correct California is a community property state, for the purpose of the application, under the "Declarations" you reference, the spouse who was NOT on Title or the mortgage was not a previous owner.