Discrimination based on simple marital status is federally prohibited when it comes to various forms of credit, though facts about a spouse can be used in determining eligibility for a loan. (law.stackexchange.com)
Also, you could lose some of the benefits offered by the original loan such as eligibility for loan forgiveness programs and interest rate discounts. (debt.org)
The regulations state that as a condition of eligibility for loan modification, the borrower must have acceptable income, expenses, assets and credit history. (vahomeloancenters.org)