FHA spouse question

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    • #225892
      Anonymous
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      I will be moving to Georgia very soon. I have had my job with the same company for over 11 years. My spouse will not have a job when we move.

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      I have a middle score of 619 which a mortgage company has told me is not high enough for an FHA mortgage. My wife’s middle score is 700.

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      Can I use her on the FHA loan for score purposes, or does she need to be employed to be on the loan?

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      My income is well above the needs for the house we are looking for. Our debt to income is only 13% with my income.



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