loosing home

If you need to use your husbands income than the answer is no, you said the loan is in your husbands name but are you on title for that property if so you would have to disclose that as a property owned by you.If not you would have to qualify on your own and than most lenders wont allow it as it would be percieved as a bailout unless you are buying another property.Your other option would be private financing which tends to be very costly.

If you need your husbands, you'll also have to pull his credit. Even if you could use your income only, most lenders won't allow it as it's considered a bailout.

No you will not be able to do that. If you use his income they will need to pull his credit to do that.

if you have enough equity in your home, which most do not, you could find a private lender to help you refinance to save the property. They only lend on the property, they dont look at credit/income ect...

Sorry to say the answer is no...you are in a tough spot...you need your own income. Lender would also "see" that property is "distressed" and consider it a bailout as you are his wife. FHA looks a both credit profiles even if only one of you is the borrower. Private money has suggested below could be an answer though just a band aid..as the payment would go up considerably in most cases and if you have an issue paying the lower payment how would one pay the higher payment...unless the issue that caused the financial hardship has been corrected. Sorry you are in this situation. Good luck.

Hello,To answer your question i do need some additional information such as location of the property, type of loan, employment etc... Please feel free to call my office for a no obligation consultation. Houtan.Hormozian@Crestico.com or 310-933-4748