09/14/2026
Married and applying for an FHA loan in Texas? Your spouse’s debt may matter, even if they’re not applying with you.
Texas is a community property state, which means certain debts from a non-borrowing spouse may need to be considered when reviewing an FHA loan.
That could include car payments, student loans, credit cards, and other monthly obligations.
But don’t assume that means you can’t qualify.
Every situation is different. Getting pre-approved early can help you understand your numbers, your options, and what you may qualify for before you start looking at homes.
Swipe through for 5 things married homebuyers should know before applying.
Have questions about FHA loans or buying a home in Texas? Send us a message. We’re happy to help.