Please let me explain in more detail to cut through some of the confusion. I am a Lender (over 15 years), and the guideline is very simple - people sign on mortgages every day with their spouses, parents, children, siblings..it doesn't matter who. The payment history is always counted for or against you (if bad). The payment amounts however, are a different matter.
You will be able to purchase a new property with your spouse or anybody else if you can show that the other party has made the last 12 consecutive months of payments without your assistance, from am account that does not bear your name. You would be able to buy the new property as an owner occupant, get an FHA or Conventional loan as you wish, and buy at the same value you would buy if you never were on the previous loan. In essence, the payments are not counted as a debt against you.
I hope this helps. A good Lender is worth more than silver or gold.
Nike Fasanya, CMC
Marvel Ventures Mortgage, Inc