Spouse Application rules in community property state?

[Anonymous]

We live in TX, community property state. Is it possible for DH to apply for a mortgage without me? I think I’ve read that my debts will be considered as his, but would my income also be considered?

[H-B]

Under FHA loss and debts will be consider but not under conventional loan. 

[Anonymous]

Do you both have income?

Do you know your credit scores? 

FHA (580 credit score minimum) loan requires that the debts of a spouse be counted in DTI. 

CONV (620 credit score required) loan does not require the debts of a spouse to be counted in DTI. Although, if you want to include income from both you have to count debts for both.