Can I get a Loan?

[Anonymous]

Can I apply for a mortgage loan by myself, excluding spouse?

If it is allowed, do they still look at both credit?

[laylandad]

I am in the process right now, alone with the VA.

[Anonymous]

Do you review both credit profiles or just mine if I go solo?

[laylandad]

My LO only pulled my credit. I am the only one on the note but my wife will be on the mortgage due to state law. I suppose that it depends on the state that you are in.

[StartingOver10]

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@Anonymous wrote:

Do you review both credit profiles or just mine if I go solo?

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If you are not in a community property state, the lender is only looking at the applicant's profile (yours). 

If you are in a community property state, the lender is looking at your spouse's debt too for government type mortgage loans (FHA, VA, USDA). Not for conventional loans.

[Anonymous]

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@StartingOver10 wrote:

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@Anonymous wrote:

Do you review both credit profiles or just mine if I go solo?

---

If you are not in a community property state, the lender is only looking at the applicant's profile (yours). 

If you are in a community property state, the lender is looking at your spouse's debt too for government type mortgage loans (FHA, VA, USDA). Not for conventional loans.

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+1.