Hi, YDR, sorry it took me so long to respond, but I went one step further and contacted my lender to ask for the answer to this question. Here is his response....
Answer: Even if the title did not have her on it, she would not be able to purchase a home using an FHA loan. There are only certain circumstances that allow a couple to purchase using FHA while currently having an FHA loan. Your business moved you out of state to a new job or you just got married and your family sized increased beyond the capacity of the current home.
If you have any further questions, please feel free to call me or email me, and I can also put you in contact with my lender.
The Van Group