Comments on: Can My Husband Take Out A Home Equity Loan Without My Name?

By: Anonymous

Anonymous — Fri, 22 May 2009 20:48:25 +0000

In order to take a home loan, all owners must sign. When you got your first mtge, were you still in school, and unemployed? Payback will come from the household income, not just your husband’s salary. Banks will look at investments, and any other source of income. You should not be a drag on the loan, and no one will know whether or not you have any student loans since they are in deferment.

By: Anonymous

Anonymous — Fri, 22 May 2009 20:48:25 +0000

Since you are not currently employed, there’s no reason to put you on the mortgage application anyway. Your debt would raise the ratios and you have no income to compensate. Also, you do not have to be a borrower to stay on title. However, if you live in a community property state, you will still need to sign the note proving that you knew about and was agreeing to the 2nd lien on the property.

By: Anonymous

Anonymous — Fri, 22 May 2009 20:48:24 +0000

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