FHA spouse question

Credit and mortgage advice Forums Home Mortgage FHA spouse question

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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.


      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.


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


      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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