Can I use my fiancee's income to qualify for a mortgage loan if we are not married yet?

More than likely, no.. There is a new loan program right now that will consider the income from a "non-borrowing" person(s) who intends to live in the home with you.. but not every lender has adapted this new guideline. If she were to apply with you, and she has sufficient credit and income ratio's as well as meeting all other qualifying requirements, then you should not have a problem. there is no restrictions on 2 people, not married, wanting to purchase a home together.. but for a more direct answer to your specific scenario, I suggest you contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and 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. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

Try this! I have a client couple, not yet married and they each took out a loan, for each of their half of the property. One was VA, so the soon to be wife could not be on the mortgage with him. Not the best scenario, but it works.

The quick answer is no, unless he is also on the loan application itself.

I seems you might be thinking of a refinance loan? Then you would have difficulty if he or she is not currently on the loan or title. If you are going to add him or her to the title you may have the option. As William Acres mentioned, in consulting with a mortgage broker in the Area/Kentucky, they would be better able to advise you whether a refinance loan or a new purchase loan. You certainly could buy a home together as long as both qualified, and consulting is advised.