The answer is: Probably not.
If you are the lucky one who has good credit and you are applying for a “regular home loan” by yourself, everything is fine. Banks are not required to review your spouse credit. And please don’t go out your way to tell them the reason why you are applying alone.
However, if you are applying for FHA financing, HUD require banks to review spouse credit if the house that you are buying (or refinancing) is located in a community states. That includes Arizona , California , Idaho , Louisiana , Nevada , New Mexico , Texas , Washington , Wisconsin and Puerto Rico. We do not care if he/she has bad credits, but we are required to include their debts in order to review your overall ability to pay back the loan.