Zillow Advice: Mortgage Types - I had a home built almost 7 years ago. I got married almost 6 years ago. My husband is not on the http://www.zillow.com/advice-thread/I-had-a-home-built-almost-7-years-ago-I-got-married-almost-6-years-ago-My-husband-is-not-on-the/447801/ Zillow Advice | Zillow Real Estate Is it possible that you can ... http://www.zillow.com/advice-thread/I-had-a-home-built-almost-7-years-ago-I-got-married-almost-6-years-ago-My-husband-is-not-on-the/447801/ <p>Is it possible that you can sell your home for at least what is owed and then buy a new home using FHA (as little as 3.5% down)?</p> Fri, 22 Jun 2012 02:35:00 GMT http://www.zillow.com/advice-thread/I-had-a-home-built-almost-7-years-ago-I-got-married-almost-6-years-ago-My-husband-is-not-on-the/447801/ 2012-06-22T02:35:00Z We file our taxes together......What ... http://www.zillow.com/advice-thread/I-had-a-home-built-almost-7-years-ago-I-got-married-almost-6-years-ago-My-husband-is-not-on-the/447801/ We file our taxes together......<br/><br/>What is the litmus test?? Fri, 22 Jun 2012 02:26:00 GMT http://www.zillow.com/advice-thread/I-had-a-home-built-almost-7-years-ago-I-got-married-almost-6-years-ago-My-husband-is-not-on-the/447801/ 2012-06-22T02:26:00Z Some first time homeowner ... http://www.zillow.com/advice-thread/I-had-a-home-built-almost-7-years-ago-I-got-married-almost-6-years-ago-My-husband-is-not-on-the/447801/ Some first time homeowner programs use whether you have used mortgage interest as a tax deduction as the litmus test. Fri, 22 Jun 2012 02:17:00 GMT http://www.zillow.com/advice-thread/I-had-a-home-built-almost-7-years-ago-I-got-married-almost-6-years-ago-My-husband-is-not-on-the/447801/ 2012-06-22T02:17:00Z Thank you!&nbsp; It just ... http://www.zillow.com/advice-thread/I-had-a-home-built-almost-7-years-ago-I-got-married-almost-6-years-ago-My-husband-is-not-on-the/447801/ Thank you!&nbsp; It just seems like we are stuck.&nbsp; We need a bigger house and I'm trying to figure out how to get there.&nbsp; It seems impossible in this current economy. Fri, 22 Jun 2012 02:10:00 GMT http://www.zillow.com/advice-thread/I-had-a-home-built-almost-7-years-ago-I-got-married-almost-6-years-ago-My-husband-is-not-on-the/447801/ 2012-06-22T02:10:00Z The debt does not count against ... http://www.zillow.com/advice-thread/I-had-a-home-built-almost-7-years-ago-I-got-married-almost-6-years-ago-My-husband-is-not-on-the/447801/ <p>The debt does not count against your husband if he buys another home.&nbsp; If you want to be on the new loan too, and keep the old house for rent, the only way you can count the rental income is if you have 30% equit in the home.&nbsp; You may even have to show two years of the home being a rental.&nbsp;If you want to keep the home as a rental, I would first check to see&nbsp;if your husband can get a loan for the amount you want on his own.&nbsp; &nbsp;</p> Fri, 22 Jun 2012 01:46:00 GMT http://www.zillow.com/advice-thread/I-had-a-home-built-almost-7-years-ago-I-got-married-almost-6-years-ago-My-husband-is-not-on-the/447801/ 2012-06-22T01:46:00Z