If you want to buy a home and want to buy it solely in your own name, you can make the application for such as to a FHA approved loan and eliminate any issues concerning your spouse and the judgment against him or her. There is nothing preventing you from attempting to obatin a federally approved loan solely in your name.As to the judgment against your spouse, sooner or later it will need to be eliminated. If the amount is not too big, you might consider having your spouse enter into a written agreement with the judgment creditor to an agreed amount and make monthly installments to pay it off.