To be eligible, all occupying and non-occupying borrowers and co-borrowers must take title to the property in their own name or a Living Trust at settlement, be obligated on the Note or credit instrument, and sign all security instruments.
In community property states, the borrower’s spouse is not required to be a borrower or a cosigner. However, the mortgage must be executed by all parties necessary to make the lien valid and enforceable under State Law. If necessary to perfect a valid first lien under state law, the lender must require a non-borrowing spouse to execute either the security instrument or documentation indicating that they are relinquishing all rights to the property.
For additional information see Handbook 4000.1 II.A.1.b.ii.(A)(4); II.A.1.b.ii.(A)(13)(a) available at https://www.hud.gov/program_offices/administration/hudclips/handbooks/hsgh