We live in Washington state; he has great credit, but mine is lousy and I don’t want it to affect the rate.
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sure
if just his name is on the original loan, sure.
Yes, and these are record low rates now.
Yes, he can, if he has the credit and income to support the loan alone without your help (financially)
Yes but because you live in a community property state most lenders will pull a copy of your credit report and add any of your debts to his for debt to income ratios. Don’t worry though your credit score will not impact the loan.
State laws vary- I do mortgages in Tennessee- both spouses must sign the Deed here- but we can do the loan in just one spouses name with no problem. Basically the non-borrowing spouse still has ownership in the property but no liability for the loan. Call a title company in your state- they should know the state laws there.
yes he already has the loan without you on it now, it shouldn’t make
any difference in the refinance. your name doesn’t need to be on the loan
unless he won’t qualify without your income. he can still put your name on the title if you want. you don’t need to be on the loan to have your name on the title. i bought my house without my wifes name on the loan
because she didn’t have good credit either but her name is on the title to the house with mine.