Mortgage without a spouse co-signing my?

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We tried to get a mortgage for about 3 years now without Gl├╝ck.Ich do not think our credit was bad, and we pay all our bills on time. I think the problem is .. my husband has an old “bad debt” of a divorce that goes back many years. I think there are three issues that have not been resolved .. but they are 7 years old. We had a problem, he does not think the children of Texas charged extra. for 3 years, but I got all reciepts and decided .. but if it is not our fault, it is still on his reading KreditIch www.creditexpert.com found the morning and that “your credit is not affected when you get married .. only joint accounts will appear on your report. “So .. I can be better for a mortgage in just my name since my credit card? I did not say a few cases I have heard too .. .. Have you, or you can not be part of your income as “total household income, the loan without him .. what is right in this Wesen.Kostenlose review!

5 Comments
  1. Reply
    Sweetness4713
    February 23, 2011 at 10:05 pm

    If you keep getting refused a mortgage then it’s because you aren’t bringing in enough of an income.. They go by credit vs debit.. That is how much you are spending on bills each month vs what your monthly income is.. They go by a percentage bracket.. A bank is not gonna refuse a loan if you could afford to pay it.. Bad debt has nothing to do with it..

  2. Reply
    mp3tocd_man
    February 23, 2011 at 10:49 pm

    I am unsure if you can count his income; I would leave it off unless the loan does not go through, and then bring it up. Of course you can apply w/out him. be honest in that you are married; but state the home is yours. If he is wise he would want something in writing that he gets 1/2 the house in a divorce if you split… if your smart… you won’t…

    sorry, I’m not much for love, only money.

    http://www.annualcreditreport.com will, for free, give you a report 1x / year.

  3. Reply
    aleja113
    February 23, 2011 at 11:16 pm

    You can absolutely apply for the loan without your spouse co-signing – especially if his credit isn’t as favorable as banks would like. I was main applicant for my parents mortgage and my father was the co-signer. This was because they declared bankruptcy 15 years ago and it was still affecting their report. I don’t live in the house or make mortgage payments – it is my father and mother making the payments and my mother counts as income even though her name isn’t on the mortgage. These companies don’t care where they get they’re money from. It just needs to look good on paper. Go for it! Good luck!!

  4. Reply
    jdl_1984
    February 24, 2011 at 12:12 am

    Unfortunately I don’t know how much help I can be but I’ll try.

    You can use only the income you want to use, all they need is verification of that income. They only ask for household income because most people want the most mortgage they can get. My sister and her husband used ONLY his income for their first home.

    I think you can apply for a mortgage yourself. I do not see why they would MAKE him co sign on it….. many single people get mortgages everyday…. so why can’t you. It might be a mortgage with less offers, like no money down and you might get stuck with a higher interest rate but I don’t see why you wouldn’t be able to apply alone.

    Don’t worry about the income, you can use what you want to use but call around to EVERYWHERE you can to check on applying for one by yourself. If they say no, ask why! Is it company policy or something else? There’s got to be something to accomodate you.

  5. Reply
    Rony
    February 24, 2011 at 12:36 am

    You can apply for the loan without your spouse co-signing. I found interesting information about your answer & the best options here.
    http://all-mortgage-calculators.blogspot.com/2007/07/mortgage-loans.html
    Good luck!

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