Can I get approved for a FHA loan on my own if my spouse has a repayment plan with the IRS? You can get approved for a FHA loan on your own. However, even with a federal tax lien, your spouse may still be able to qualify for a FHA Loan if he has a proven established repayment schedule with the IRS and his monthly payments have been made on time. Therefore consider applying jointly first, because if you decide to apply for the loan on your own, your spouse's debts will be added to your DTI(debt to income ratio) for loan qualification purposes. This is where borrowers applying without their spouses could run into an issue.
If you are applying for a FHA loan on your credit alone, make sure you that your income is sufficient to cover not only your debts but your spouse's debts as well. Texas is a community property state. Therefore, the non-purchasing spouse's debts will be added to the DTI. Nevertheless, if your spouse is not on the loan, his income cannot be considered.
If you can't add your spouse to the loan because of poor credit and your income is not high enough to cover both of your debts, then consider applying for a conventional loan instead of FHA. On most conventional loans, your spouse's credit will not be pulled.