Can my husband and I buy two separate homes?

Yes.. you can purchase both homes on your own without listing your spouse.. you will have to let the lender know if your purchasing as investor, 2nd home or owner occupied.. and you can only have 1 primary residence.. so one would be owner occupied while the other could be a 2nd home or investment.. .. 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

No, as long as you can both qualify for the purchases on your own, you do not have to list each other on the loans.

No you don't have to list your spouses other house as long as you each qualify on your own without assets or income from the other and your not on title to the other property. The exception to this would be if you are trying to get an FHA loan. Those are currently only for owner occupied transactions and you have to list the debts of the non-borrowing spouse. If you can afford both payments, then you would be fine. You will most likely not be able to do both of them as owner-occupied, so be careful trying to go that route. If they catch you, you'll certainly get denied. If they catch after the fact, they'll call the loans due immediately. You can certainly do one as owner occupied and one as an investment property with no problem.

As a married couple you don't have to own homes together or be on the loan together. You just need to make sure you each qualify for the individual homes you want to purchase.

Sure, you can buy two homes... and no, you don't need to list each other. As long as you each qualify for the home you separately want to buy... Not a problem. Contact a local mortgage broker in your area for more assistance.

Both do not have to be on the loan unless both incomes are needed to qualify. Good to know fact: If you reside in a community property State and you seek government insured financing (VA, FHA, USDA) then the credit and liabilities of the non applicant spouse must be included. There are 10 community property States and they are: Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin. I have been originating home loans in Oregon since 2003. Feel free to reach out to me directly with any Oregon specific lending questions. 888-206-5781 x 1017

No, if you are looking to purchase a property using FHA loan programs. Yes if you are going with Agency loan products such Fannie Mae or Freddie Mac loans. however each lender may look at this situation differently. but only one home can be considered your primary and the other one has to be an investment property.

Yes, you can buy separate homes. However, there may be questions as to which is a primary residence, which can be purchased with lower down payment than a second home, or an investment property (highest down payment).I would suggest contacting my affiliated office of Bay Equity in Medford at 541-601-6044 and talking to one of the loan officers there to work out the specific details of what you are wanting to do, so that you can get the best results toward your goal.

Sure, just make sure you are accurate when you indicate if it is to be owner occupied. False information is a felony. You each must qualify individually on income and credit.

Yes in Oregon you can buy them separate as we are not a community property state. You will be asked your intentions with the property and if you miss communicate that you could be charged with a felony. It will be tough to prove that you are buying 2 houses separate and both be living in them so one will need to be an owner occupied and the other an investment property I would say. I am a local Oregon Lender and would love to help you with these purchases. Thanks, Derick

Yes, you can buy two homes separately. One would have to be your primary residence and the other would need to be a 2nd home or an investment property. If you go the 2nd home route be careful there can be some issues as to weather or not you are doing so to avoid the higher rates and higher down payments that come with investment properties. Discuss this with a local broker and be honest with the broker about your intentions so they can direct you in the right direction.

Yes, but, you can only have 1 primary residence.

Yes you can purchase 2 homes together or separately. You would just have to list one as a primary residence and the other as a 2nd home or investment property.

Yes, you can purchase the houses separately. Please call me to discuss your loan options at 949-625-4610 I am licensed broker in Oregon.