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Our home in Arizona has lost significant value so our lender will not let us refinance from an ARM to a fixed loan. Can I sell (our home that I originally bought when I was still single) to my wife, whose name is not on. ... Your wife will need to have the 3% down minimum if you go FHA. There is no problem with you selling it to your wife but make sure she can qualify. What I really dont understand is how can you get value for a purchase over a refinance. ...