My wife bought a house with her credit while we were married. I am on the deed but not on the mortgage.?
I am taking out a home loan and the lender wants to include her mortgage on my application. I am in Florida. She is not applying for the loan in any way and pays for that mortgage with her salary. I thought that I was entitled to take ownership of the house but not responsible for her loan. I qualify for the new loan based on my salary. It is a VA Loan. Can they do that legally? I know that the lender can deny the loan for many reasons but it doesn’t sound by the book to me.