Does FHA count Non Borrowing Spouse Debt?

[Te3030]

My spouse will not be applying for a mortgage with me. Does FHA count her debt toward DTI? Thank you! 

[Anonymous]

If you are in a community property state, yes.

[Anonymous]

What he said ^^^, which by the way is the silliest "rule" in the book.

[flippy1234]

Yep, this is the dumbest rule. It almost cost us our loan (my husband is self employed and we can't count his income, but we get to count all of his debt). We even joked about getting divorced if we had to and then getting remarried after getting the mortgage. 

[Anonymous]

I definitely agree.  My wife has better credit than me by roughly 20 points.  Our combined income is a little over 100k, but she has a foreclosure on her reports, so we had to qualify off my income alone.  Our combined debts just off my income put us at the max DTI for approval, when in actuality it's not nearly that high.