The Spouse/Co-Applicant section should only be used if you wish to use your spouse as a joint applicant for the loan, or someone else as the co-applicant. In the first case, you must check off the "Co-Applicant Is Spouse" checkbox.

In the case where you are married and do not wish your spouse as co-applicant, simply select "married" as your marital status and do not check off the "Co-Applicant Is Spouse" checkbox.

D.O.B Must be a correct date - If you fill in one part of the date, all 3 parts must be filled in. Also, invalid dates like 31/Feb/1970 will not work.