On a conventional loan, no. On a government loan in a community property state, yes, your spouse's debts count even though your spouse is not on the loan. The split works like this: - Conventional (Fannie Mae, Freddie Mac, and most jumbo programs): if your spouse is not on the loan, their debts stay out of your ratios. Refinancing on your own income keeps their obligations off the file. - Government loans (FHA, VA, USDA) in a community property state: your non-borrowing spouse's monthly debts get added to your debt-to-income ratio, aside from anything state law specifically excludes. One point worth being clear on: it is the debts that get counted, never your spouse's credit score. Their score does not touch your file in this scenario; their monthly obligations just join yours in the ratio math. So if you live in a community property state and are leaning toward an FHA or VA refinance, build your spouse's monthly debts into the math even though only your income is being used. On conventional, you generally do not have to. We can tell you quickly which path keeps your ratios cleanest based on where you live and which loan fits.