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My lender or broker said that my spouse had to co-sign my mortgage loan. Is this right?

In general, a creditor such as a lender or broker cannot require your spouse’s (or another person’s) signature for individual credit if you qualify on your own for the amount and terms requested.

If you are applying for joint credit, however, a lender or broker may require your spouse’s signature (or the signature of the person with whom you are applying).

If you apply for a mortgage or home equity loan, a lender or broker may require your spouse’s (or other person’s) signature on any instrument necessary to make the property being offered as security available to satisfy the debt if you were to fail to repay. For example, a lender or broker may require your spouse (or other person) to sign an instrument to create a valid lien or pass clear title.

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