If I am married, can a lender or broker turn down my application for a mortgage or home equity loan in my own name?

If you are creditworthy, you may get your own mortgage or home equity loan, and a lender or broker generally may not require that your spouse co-sign.

If you apply for a mortgage or home equity loan, a lender or broker may require your spouse’s (or other person’s) signature on any instrument necessary to make the property being offered as security available to satisfy the debt if you were to fail to repay. For example, a lender or broker may require your spouse (or other person) to sign an instrument to create a valid lien or pass clear title.