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Can You Get Home Equity Loan Without Spouse Signing?

I Want small loan at better rate, home equity is the best rate I've found

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    Yes you can, infact its now history that spouses were needed to get loans.
    Government of many states have even made legislations on this particularly for women. What you need, is your current bank statement, identity number, advice slip and any document that reveals where you stay

    Just go ahead and make a loan, but be careful not to ask for more that you need
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    Zaddy 

    answered 1 year ago

      I would think that if your spouses name is on the mortgage loan, then yes you would need their approval.  Not really sure about actually needing the signature.  One thing I would be cautious of though...one missed payment and you may lose your home.  Click on this link for more indepth info.  Good Luck!!
      money.cnn.com

      Zaddy, a home equity line is different from a mortgage.  A home equity loan is a loan given based on the equity in a home you are already paying for, not a home you hope to or are trying purchase.
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      Janes 

      answered 1 year ago

        I don't know what part of the world you live in, but here in Florida, USA, if you have a spouse and want to get an equity line of credit using your house as collateral, then your spouse must sign even if they are not on the loan.
          Florida is a community property state . Meaning that whats' yours is also the spouse's.
        You could call any financial institution in your area to inquire about this.
        I agree with Janes. If you can get a loan some other way than putting up your home, it would be wise. Our economy is not very good right now and if you had to file bankruptcy in the future of the loan, then you could not include the home equity loan without losing your house.
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        Tamarind 

        answered 1 year ago

        If my husband took out a home equity loan in his name against our house which is in both of our names am I allowed to write checks from that loan?
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        Guest

        Guest 

        answered 5 months ago

        Unfortunately you cannot get a home equity loan without your spouse's signature in most American states and most definitely not in states that follow the community property rule. Basically your spouse has a share in the house's equity and if you are going to put that equity on line, then you will require your spouse's signature.
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        Neophyte 

        answered 5 months ago

        Question. What if the home was purchased under her's. Then she got married. House is still under her name only. Does she still need his signature to get a home equity loan in a community property state? By the way, who know whether they are married?
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        Guest

        Guest 

        answered 5 months ago

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