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If I am legally separated with my husband and I want to buy a home on my own then his income and debt would not be considered right? I live in California.
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He will still need to sign on the deed of trust most likely and you would need him to do a quit claim deed over to you at a later date. I agree with Jerry below and wouldn't recommend purchasing until the divorce was final.
On a Fannie / Freddie Conforming or Jumbo Loan Application, when only one person is applying for a mortgage loan, they would qualify with just their income and obligations (DTI). Regardless, if married or not.I'm not that familiar with most of the other Government Products (low-down-payment products) they may have different qualification guidelines.
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