I had a home built almost 7 years ago. I got married almost 6 years ago.

The real answer is.. It doesn't matter... The federal government FTHB program has expired and there is no incentive out there for him.. Unless there is some special program out there in FL only, but you will still run into the problem if you are purchasing together, then he's the FTHB, and you're not.. If he purchases on his own, he must qualify on his own as well.. FHA will go 3.5% down on any qualified borrower purchasing a primary residence who doesn't already have an FHA loan... so it really doesn't matter if he is a FTHB or not.. if you want to know for sure, you should contact a LOCAL mortgage broker, not the local "Big" bank, and certainly not one of those 50 states internet lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

For what purpose are you trying to add him? Are you attempting to refinance? If so, we would need to know the current mortgage balance and terms.

If I understand your motivation, it's to keep your existing house as a rental and buy another primary residence, with your husband on the deed and mortgage. The short answer to your question is 'Yes!" Is your husband on the deed? In most cases "1st-time homebuyer" means "hasn't purchased or owned a home in 3 years." Likely cleaner and easier If he's not on the deed.

Sounds like it is doable. If you would like to discuss further please call me at 201-962-3555. Michelle

Hi! My background is underwriting and I would love to help you structure your new loan. Is your husband on the deed or title? Please call and I will be happy to help you!

hi there: Your scenario is definitely doable and we can count rental income even if no prior rental history/mgmt is needed to offset debt ratio on the new mortgage if needed for loan approval. I have investors with their own overlays allowing this. There are questions that I would like to ask on your husband if possible...If you'd like to discuss, please contact me. (Mike 703 505 5300)..lending nationwide...NMLS 754875

It is possible, if you can qualify (credit and income)

You specifically indicated he is not on the mortgage, but did not reference the title. Yes. If he is buying the new home by himself with no credit or income help from you, then he is considered a first time home buyer and would potentially be eligible for any of the programs out there for FTHBs. Once you become part of the contract or loan application, your previous ownership taints his ability to claim it. Also, if you added him to the title of the property, that too would disqualify him from eligibility. Although there are no federal programs currently in existence, some localities still have some funds available. As for converting your current home into a rental, yes you can do this as well. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com 888-889-9950

Yes, but would need ALL the pieces of the puzzle to see if you qualify