Can my husband get a mortgage with out me?

Asked by mbernsen, North Port, FL Mon Nov 19, 2012

We are looking to buy our first home and while my husband has good credit and I have very poor credit due to some premarital debt. He is the sole earner of our household as I am a stay-at-home mother for our two children. Is it possible for him to get a mortgage with out me being on it? We live in Florida, which I understand is a homestead state.

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Irina Karan, Agent, Aventura, FL
Wed Feb 27, 2013
Yes, he can get a loan without you, but the lender will want to put you on the mortgage (mortgage is a security document) and often on title.

If the lender puts you on the mortgage, but not on the title, you can add your name to the deed later on. However, this might cost you addional money (tax stamp, depending on the county).
This has to do with the transfer of title from just your husband to the both of you.
This "adding" should be done by an attorney or the title company that will be doing the closing (could be cheaper).

Hope this helps,

Irina Karan
Beachfront Realty, Inc.
0 votes
Bill Eckler, Agent, Venice, FL
Tue Nov 20, 2012
Yes indeed, Florida has a Homestead Exemption for full time residents that apply for this tax break. Currently this exemption allows for a $50,000 decrease of your home's "assessed" value, from which your taxes are derived.

The buying process is one that is best begun by meeting with a lender and determining which loan program is best for you and the amount you can qualify for. People can qualify for a mortgage based either on combined or individual earnings.

Seeking a loan is like shopping for anything else....and is best done by shopping around to determine the best deal for you. We highly recommend speaking with several loan agencies. This should help you to understand the process and give you an idea of what the current local rates are. One of the best places to begin is where you are currently doing your banking. But remember, don't commit until you have considered other options.

You are in a great location for identifying value. In the North Port/Port Charlotte area, there are presently any number of nice homes priced under $100,000.

Best wishes,

Bill Eckler
Michael Saunders & Company
0 votes
Terry McCarl…, Agent, Cape Coral, FL
Tue Nov 20, 2012
If your husband can qualify for a mortgage on his income only he can certainly finance the property in his name only. You can also be put on the deed only - this happens all the time in Florida

Terry McCarley, Realtor®, CDPE
0 votes
Stephen McRo…, Mortgage Broker Or Lender, Tampa, FL
Tue Nov 20, 2012


Regardless if you're on the loan note/loan or not, if he buys a Primary Residence in FL, you'll have equitable title and own the property too.

You may want to consider #1, #4, or #5 below

1) 100% LTV- USDA

2) 100% LTV- VA /can pay off debts on purchases too

3) 99% LTV- FHA (select prop,)

4) 97% LTV- No PMI/MI and avoid the 1.75% FHA FEE

5) 95% LTV- No PMI

6) 95% LTV- CONDO purchase

7) 90% LTV- No PMI-2nd Home

8) 90% LTV- JUMBO w/cc

9) 85% LTV- NO PMI to Super Jumbo

10) 80% LTV- Invest. Prop.

STATED INCOME ALT loan programs:

11) 80% LTV- FIX n’ FLIP Invest. Prop.

12) 80% LTV- NEW- Stated Income Alt

13) 75% LTV- NEW- Foreign Nationals- Stated Income Alt

14) 75% CLTV-NEW- after Short Sale, BK or Foreclosure

15) 70% LTV- Soft and Hard Money -Stated Income Alt

17) 55% LOT/VACANT LAND LOANS (by case basis)

COMMERCIAL PROGRAMS (many programs available nationwide)

Steve McRory

Pro Option Mortgage/Florida

Ph: 888 662 4404

Prior Service U.S. Marine Corps
0 votes
My NC Homes…, Agent, Chapel Hill, NC
Tue Nov 20, 2012
The simple answer is that you are not required to be on the mortgage application with your husband. Your situation isn't unique at all it happens all the time that one partner earns the money and has the income and the other isn't as strong financially. You can still be listed on the Deed.

That said your husband needs to speak with a mortgage lender as I have no idea whether he actually qualifies for a mortgage.

Good luck and happy house hunting.
0 votes
Julie Rosent…, Agent, Jupiter, FL
Tue Nov 20, 2012
Hi, Mbernson,
Your question can be answered by a Florida mortgage broker, accountant, real estate attorney and/or Title company. There are factors that influence the answers to your question::
Who qualifiies for the mortgage (You or your husband's income and credit or both of yours)
What will you use the property for: (Will it be your primary residence or will you use the property for either vacation or to rent as an investment)
Find all listed propeties and get valuable free information at
Call Your Florida "Go-To" real estate broker
Julie Rosenthal, Broker
Property Brokers International
0 votes
Debra (Debbi…, Agent, Livingston, NJ
Mon Nov 19, 2012
if his income and credit qualify him for the loan, there is no reason you have to be on the mortgage.
0 votes
Tammy Hayes, Agent, Port Charlotte, FL
Mon Nov 19, 2012
I would suggest you contact a local mortgage lender. I can send you a list of lenders in the area if you would like.

Tammy Hayes, Realtor
Green Lion Realty, Port Charlotte, FL
0 votes
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