Divorce and FHA Home Loan

They will NOT require his debts to be calculated into the dti, that's simply not true. While it's true this is a requirement normally for married couples in California, it will not be in your case. The final divorce papers will also NOT be needed. A simple quit claim at closing can accomplish what you are trying to do along with a letter of explanation and copies of the filings. I see you are located in San Diego, give me a call and I can easily take care of this for you. Gregorio Denny -- WeFixRates.Com

Yes,You must disclose that she is married and they will require a copy of his credit report and will calculate all of his debt into your ratios. You can say that she is "un married" but since that it not correct, it is considered mortgage fraud and if caught the file will get denied. I suggest getting a divorce ASAP.

I missed that you said she filled.. you can submit the paper work with the file, but most likely will be conditioned to provide the final divorce paperwork before you are approved..