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I am married to a foreign spouse. I am applying for FHA. Why they still need her social?

I read your article http://library.hsh.com/articles/government-programs/fha-foreign-national-loans/My spouse is not a lawful US resident just yet bevause we just got married this year. Which means she does not have a social nor an ITIN because it is something we are to apply for this year.I bought a hoke through an FHA loan and told them I have a non-borrowing spouse who I want to be in the House Title. I am in Day 15 of escrow now and the lender just asked for my spouse's social. I told my loan officer that she doesn't have one, and didn't think she would need one because she will be set as a non-borrowing spouse anyway.Will this cause a problem for a successful closing?
By Martin88jose429 from CA Aug 7th 2015

Congrats on your marriage! Although the lender should have asked for you this info 15 days ago, this should not be a problem. If it becomes one, let me know and we can look to close the loan for you. My cell is 702-283-2333. Aaron

Aug 7th 2015

The lender should be able to add your spouse to title at closing. If the lender will not accommodate, you can always do a quit claim deed after closing to add spouse to title.

Aug 8th 2015

FHA has a requirement that will add the spouse's liabilities to give a true Debt to income ratio. This should have been addressed up front during the preapproval process and been asked by the underwriter. This will cause an issue for your closing. If you need further clarification, please give me a call at 949.276.8526 or email me at dbracic@skylinehomeloans.com.

Aug 8th 2015

FHA requires the review of the non borrowing spouse's credit report to determine if they have any other debt that is in addition to yours. FHA requires the payments of the non borrowing spouse to be added to the borrowers debt to determine an accurate Debt to Income (DTI) ratio for qualifying purposes.. this should have been ask for during the first day when you applied.. Your credit is not analyzed or underwritten, they are only trying to verify any additional debt. If the non borrowing spouse does not have a social security number or a TIN, then it's possible the lender will deny the loan.. This is an area that lenders will exercise caution, so if this lender denies your loan, try calling a local mortgage broker and see if they have a lender who would allow your scenario... 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

Aug 10th 2015

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