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You can qualify for financing to buy a home in Texas with just your credit. However, if you aren't using your husband's credit, you can also not use his earnings and assets. You must fully qualify on your own. You will sign the note at closing -- making you obligated for the debt. I believe your husband will need to be at closing to sign the deed. He gets an interest in the property without having any debt obligation as a result of Texas being a community property state. For clarification and a better answer, you can call any title company in Texas (they are all run by attorneys) They will be happy to help you and will not charge you! (Now where else can you get a free answer from a Texas attorney!)
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