Can I qualify for an FHA loan if my husband has one?

[Leah Pasco]

My husband and I began our REI journey by purchasing our first primary residence, that is manageable fixer upper, in August in 2019 in Las Vegas, NV. The lender recommended he apply for the FHA loan by himself. My name is still on the title. We are nearing the end of our 1 year obligation to occupy the FHA home and are looking at our options for investment properties. We are considering purchasing another property where we could occupy with an FHA loan under my name.

I am wondering since my name was not on the application for the FHA loan, would I be able to obtain an FHA on my own for our new property?

I've also read other posts about refinancing the FHA loan into a conventional loan. I believe we will need to have paid 20% on our home before we can refinance to conventional. Please let me know if this is correct and if there are any other options. I appreciate the help!