Is this considered legal advice?

It depends on your state. Most, if not all states allow a married person to apply for credit either by themselves, jointly with their spouse, or jointly with another person that is not their spouse. Based on this, unless the loan office is also a licensed Attorney, then it would not be legal advice. BUT, I would venture to say that letting you know that you can exclude your husband (estranged or otherwise) is valid LENDING advice. I am in Arizona, a community property state, and it is perfectly legal to allow one spouse to apply without the other. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ Licensed in Arizona, California, Georgia, Oregon, and Washington. Need help in other states? We've got you covered. NEXA Mortgage is licensed in 46 states ~ www.ApplyYes.com 480-889-9000.