Is a spouse required to sign the mortgage loan and note?

In general, if a person is applying for a mortgage loan to purchase a property as their primary residence, their spouse is not required to sign the mortgage loan and note. However, there are certain circumstances where a lender may require both spouses to sign.

For example, if the property being purchased is located in a community property state, the spouse may be required to sign certain loan documents. Community property states include Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin.

Additionally, if the spouse's income is being used to qualify for the mortgage loan, the lender may require them to sign certain loan documents as well.

It is important to note that laws and requirements can vary by state and lender, so it is always best to consult with a mortgage professional or attorney for specific guidance on your situation.

* Specific loan program availability and requirements may vary. Please get in touch with your mortgage advisor for more information.