Does my spouse's income count if they are not on the loan?

Generally no — if your spouse isn't on the loan, their income can't be used to qualify. The loan relies on the applying borrower's income and credit alone.

In community-property states certain spousal debts may still count, but Florida is not one, so a non-applying spouse's debts usually stay off your DTI. Adding the spouse can raise income but also brings their credit and debts in. We'll model both.

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