FHA as single then another as married?

[Tyler Hahn]

Hi, I currently am a legally single person with an FHA triplex that I live in and rent two units. I am engaged and getting married in a few months and was wondering what the eligibility was for an FHA loan as a married couple is when I have one already as just single me.

I know the fundamental one FHA loan for a person at a time, but in this case I wasn't sure if because my soon to be wife would not have an FHA if that would disqualify us from getting a combined FHA loan?

Thanks all!

[Laura Marks]

@Nathan Shepard

[Nathan Shepard]

If you have to relocate for work or get a new primary more than 100mi from your current residence you could get another FHA.

This also works if you can prove that your legal dependents increase (start having kids typically) and the property can't support the increase in family size. As long as you have 25% or more equity in your current FHA home, you could get another one close by.

Short of that, you could potentially step in as a non occupying co-borrower, but you wouldn't be able to co-sign for your spouse as an occupying co-borrower, though she can still try to qualify solo.