No. It is based on income. The mortgage company doesn't care how they are paid only that they are.

It all really does depend on income and stability, as stated in a previous answer, regardless of whether or not the mortgage applicant is married. In fact, the number of unmarried home buyers has sharply increased from just 15 years ago. The following is an excerpt from article published in an online magazine for real estate professionals: http://www.therealestatepro.com/articles/articles_05/mccrea.html "According to SMR, single borrowers have grown steadily as a portion of all homebuyers who use mortgage financing since 1990, when they were only 26.7% of the home purchasing market. That number reached 43.2% by 2000, and 46.7% in 2002 (the last year for which hard counts are currently available). According to SMR, the statistical trend line suggests that this will be the year when the percentage of single borrowers reaches over 50%. “The rise of single homebuyers is one of the biggest demographic changes in recent American history,” says SMR President Stuart A. Feldstein. “But this change has gone almost unnoticed by demographers, economists, and marketing executives.” Because of this, Feldstein says typical advertising for homes continues to show happy young couples with their happy children scampering about the yard. “In reality, such homebuyers are becoming a minority group.” It's interesting because it's written to a real estate professional; it's like getting the inside scoop, ya know? If you're seriously interested in home buying for the single person, spend some time and research this on your own. It will demystify the process somewhat.

Marital status is one of the things lenders are forbidden to discriminate against, so the answer should be no. The lender will use all disclosed income from all borrowers to qualify, as long as the guidelines for verifying that income are met. Some loan programs require that all borrowers must occupy the property, some programs call for income to be verified in writing, sometimes income and assets do not need to be verified at all. In the case of a VA (Veterans Administration) guaranteed loan, the VA will only guarantee the portion borrowed by the Veteran, or the Veteran's spouse, so in the case of an unmarried Veteran, with a coborrower, the VA would guarantee a smaller portion of the loan, unless the coborrower was also a Veteran and had eligibility that could be used. All other qualifying issues being equal, marital status should have no bearing on the loan application. For more mortgage questions and answers, go to: www.2rhouse.org The Underwriter

One other important thing the mortgage company is going to look at is the couple's individual credit bureau reports. This is a very significant factor affecting the ability to get credit. If one or both have a bankruptcy in their past or a charge off, it will negatively affect their ability to get a mortage. Negative credit history will often outweigh ability to pay.