Though your relationship status won’t determine whether or not you are able to get a mortgage, your status can influence the factors lenders consider when deciding whether or not to approve someone. If you’re looking for to purchase a Boston condo for sale, keep in mind the ways your relationship, or lack thereof, can come into play.


Being single is great. You are the only one with say-so when it comes to what you want in a downtown Boston condo and where you want to buy. However, it also means you’re the only earner, meaning your household income is likely significantly lower than a 2-income household. If you don’t get a loan for the amount you want, you can consider a co-signer who is willing to have your back in the event you cannot pay your mortgage.

Long-Term Relationship

You don’t need to be married to take out a home loan with another person. However, you have to be pretty sure you’re in the relationship for the long haul because you are, in theory, committing to a project for the next 20 years or so. When 2 individuals apply for a mortgage, the applications are combined with one listed as the “borrower,” typically the person with the higher income, and the other listed as “co-borrower.”


Being married isn’t an automatic guarantee, either. It can be easier, but things like income, debt, and both of your credit scores come into play. If one person is a stay-at-home spouse or earns very little income, it can still be challenging to get approved.

Married with Bad Credit

It may surprise you to learn that if your spouse has bad credit, it is often best to just leave him or her off the application altogether. When applying for home loans, lenders look at the lower of the 2 scores, which means if your spouse has really poor credit you may not qualify or you may wind up with a high interest rate.


You can get a mortgage while separated, but it can be tricky. If both parties are on the title, both must agree to the mortgage. In California, there are also community property laws. If you aren’t divorced yet, this may mean your spouse can get half of your new property when you do divorce.

When searching for a home, there are plenty of other factors to consider beyond your relationship status. Get in touch with the real estate experts at 92101 Urban Living to find out what else you should be aware of. If you’re looking for a starter Boston condo or a Boston luxury condo in downtown,  give us a call and we’ll help you find the home you’re looking for.

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Author Profile

John Ford
John Ford

Over the course of 20 years in the Boston downtown real estate market, John represented and sold numerous, condominiums, investment and development properties in Greater Boston and in the surrounding suburbs

In addition to representing Boston condo buyers and sellers, John is currently one of the most recognized Boston condo blog writers regarding Boston condominiums and residential real estate markets. John's insights and observations about the Boston condo market have been seen in a wide variety of the most established local & national media outlets including; Banker and Tradesman, Boston Magazine The Boston Globe, The Boston Herald and NewsWeek and Fortune magazine, among others.


For over 24 years, John Ford, of Ford Realty Inc., has been actively involved in the real estate industry. He started his career in commercial real estate with a national firm Spaulding & Slye and quickly realized that he had a passion for residential properties. In 1999, John entered the residential real estate market, and in 2000 John Started his own firm Ford Realty Inc. As a broker, his clients have come to love his fun, vivacious, and friendly attitude. He prides himself on bringing honesty and integrity to the entire home buying and selling process. In addition to helping buyers and sellers, he also works with rental clients. Whether you’re looking to purchase a new Boston condo or rent an apartment, you’ll quickly learn why John has a 97% closing rate.


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John Ford and his staff can be reached at 617-595-3712 or 617-720-5454. Please feel free to stop by John's Boston Beacon Hill office located at 137 Charles Street.

John Ford
Ford Realty Inc
137 Charles Street
Boston, Ma 02114



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