FHA Loans for married couple with different last names

[Andreas Galliker]

Hi there,

I've heard in the past that if you are married but your spouse doesn't have the same last name you could actually get up to 10 FHA loans (5 each). However, there is also a lot of commentary out there that states that you can only have one FHA loan at a time. If you refinance that FHA loan into a conventional mortgage you could then get a new FHA loan on a different property. What is the actual rule? Can you have multiple FHA loans (if so how many)? Have these rules changed recently? Appreciate any comments/advice.

Andreas