I'm applying for a mortgage loan with my husband. Can I ask a lender if I would qualify for the loan on my own, or does that look like a red flag?

I'm applying for a mortgage loan with my husband. Can I ask a lender if I would qualify for the loan on my own, or does that look like a red flag?
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#1

This will be our second house. I am considering leaving him. We have talked about divorcing several times and never follow through. Would it raise red flags to ask one of the lenders working on our pre-approval as a couple to ask them what I could qualify for if I were to do a mortgage by myself and split up from my husband? Or would it be better to ask a completely different lender to run my numbers by myself? We’re in common property state so I don’t want the new lender asking about my husband’s income-although I can give it to them. I strictly want to know what I could realistically be approved for so I can make an informed decision on splitting up while our son is still in middle school. It would stop the emotional rollercoaster but I want to be smart about it. 3 lenders are working on our app as a couple right now so I need to act quick. Thank you.


#2

it does raise a red flag. However it is not unusual for people to buy property separately. If you are still considering and have not done anything about it, it should be explainable.
However, if bought while you were married the second house would be considered part of the marital estate, and subject to division as well. How you end up dividing is an entirely different matter


#3

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