Can a Spouse with No Income Be Included in a Mortgage Loan?

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Yes, that does two things.
1) If YOU make all of the payments on time, it improves the spouses credit rating. Unfortunately, if the spouse has a bad credit rating currently, it can force you into a higher interest rate and increase the monthly mortgage payment.
2) If YOU cannot make the payment for any reason, both of you are liable.

Keep in mind though that If you separate for any reason, and you are forced to sell the house, the spouse will get 1/2 of the proceeds without ever having contributed a cent.

I would recommend just putting it in your name and if you ever refinance after the spouse gets a job then you can add the spouse to the mortgage.

  1. Reply
    April 30, 2011 at 1:40 am

    my husband and i have a mortgage and i have no income they would not put me on the loan but they did put me on the deed to the house

  2. Reply
    Richard M. Johnston, Realtor
    April 30, 2011 at 1:54 am

    I do not recommend because its possible that person will make the qualification more difficult and costly.

  3. Reply
    Matt J
    April 30, 2011 at 2:23 am


    Many times the wife is put on the loan with no income and in most cases if they are not on the loan they are still an owner on the property and have to sign some of the loan papers. Keeper her off will not work to hide you bad payhistory on your mortgage. For one most lenders will do a 12 or 24 month pay history so they will find out if you have been late. The ones that don’t will get a payoff and see that there are late fees on the mortgage and they will know you are late or in foreclosure.

    more on this at

  4. Reply
    Searchlight Crusade
    April 30, 2011 at 2:36 am

    Absolutely. The only thing that is a reason not to have a spouse on the loan is if they hurt the process, such as debts in their name only that make it more difficult to qualify, or poor credit. But even spouses with no income and no credit history can be on a loan without hurting the process, and start building credit history when the payments are made. The only reason to leave them off is because they will somehow hurt the qualification process.

    I did have one lady who was doubtful her husband would make the payments on time, so she wanted to be left off the loan so late payments wouldn’t hurt her credit. This was a valid concern, and we did it that way.

    Now lenders generally want the title of the property at the time the loan is done to reflect the people on the loan, so if a spouse is left off the loan, they may have to quitclaim off the property long enough to do the loan. Once the loan is done, they can be quitclaimed right back onto title.

  5. Reply
    lindsay s
    April 30, 2011 at 3:22 am

    Yes.. but if they have around the same credit score as you, or a higher credit score!! It all depends on credit what kind of rate you will get!! Do your homework on who you want to go through.. You also can just put it in your name and put him on the Title once you buy the house…

  6. Reply
    April 30, 2011 at 3:43 am

    Is htere a specific reason you wnat to include your spouse on the loan?

    Are you trying to better his/her credit?

    You can put that person on the loan, but it WILL change the wualifications depending on the type of mortgage loan you are applying for…

    If you really need to improve your spouse’s credit, it may be smart to add them to the loan regardless of the qualifying… Credit is very important and it makes alot of sense to put someone on a mortgage fo rhtat matter…

    If you want to know more, feel free to call me any time…

    See my profile for contact information…

    good luck!

    Jason Fry
    Licensed Mortgage Banker
    Providential Bancorp

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