Lenders must perform a CAIVRS screening on all obligors on the loan (including IRRRL loans). The one exception to this policy is that CAIVRS is not required for non-purchasing spouses in community property states. On October 1, 2008, HUD discontinued all telephone access to CAIVRS.

FHA Home Loans and Non-Purchasing Spouses. August 31, 2015 – When it’s time to apply for an FHA home loan, spouses often want to buy together–it’s a logical financial step for many couples, old and new. But not every couple comes to the fha loan process with equal credit, employment history.

Fha Loan Texas fha mortgage limits – FHA Mortgage Limits Welcome to the FHA Mortgage Limits page. This page allows you to look up the FHA or GSE mortgage limits for one or more areas, and list them by state, county, or Metropolitan Statistical Area. The results page will also include a median sale price value for each jurisdiction.

FHA Loan Rules for Non-Purchasing Spouses. One of the most commonly asked questions about FHA home loans is whether or not a spouse is required to sign, co-sign, or otherwise be committed to an FHA home loan.

First Time Buyer Loan Requirements Fha Home Loan Credit Score FHA has released guidelines on credit scores – with a 580 score considered to the be the minimum for approval without conditions. You can still get approved for a mortgage below 580 down to a 500 score but you would need to put a much greater downpayment and possibly resolve any issues around federal debt such as student loans that need to be.The FHA 203(b) home loan program is the most popular fha home loan with first time home buyers in Pennsylvania because this loan enables PA home buyers to purchase one to four unit homes (and FHA approved condominiums) with relatively little cash. The 203(b) loan only requires a minimum down payment of 3.5%.

U.S. Department of Health and Human Services Spouses of Medicaid. purchased for non-Medicaid spouses as a particular problem area.

– FHA.com – Where applicable, FHA loan non-purchasing spouse signature requirements are for first liens. According to the FHA, in all other situations the spouse’s name or signature not appear on the loan documentation. Non-purchasing spouses do not get title to the property bought with an FHA home loan once the loan is paid in full.

If your spouse has charge-offs or collections to pay off, they may affect your DTI. This is true for certain FHA and VA loans. One thing to note is that if the collections are in the name of your spouse, you may not have to wait 12 months prior to applying in order to get a VA loan. The collections just need to be paid off at closing.

Non Purchasing Spouse – A Simple Definition: When you purchase a house, the non purchasing spouse is the spouse who is not on the loan and may or may not be on title. Depending on the state that you live, the non purchasing spouse may have a big impact on qualifying for a mortgage. even though they are not on the loan. Non Purchasing Spouse.

Community Property States and FHA Loans. Except for the obligations specifically excluded by state law, the debts of the non-purchasing spouse must be included in the borrower’s qualifying ratios on FHA loans where the borrower resides in a community property state or the property to be insured is located in a community property state.