Non-Purchasing Spouse, Community Property State TX

I've submitted an application with the bank to purchase a home here in TX. The bank is asking for my husband's SS# but we purposefully excluded his name from the loan app b/c his scores are low & his debt/income ratio is high. My median score is above 620, my gross income is $5k+ per mo. & the home purchase price is 145K. I also have 5% as a down payment.I'm being told that they need to pull my husband's credit report b/c they need to factor in his debt with the total household debt since TX is a community property state. I know for sure that will hurt my debt/income ratio is combined w/ his! That's why we excluded him from the application!Is this an extra bank requirement, state requirement, or FHA requirement? by texasgirl from Grapevine, Texas. Aug 19th 2009 Reply