I instruct all my buyer to be caution on using their credit cards, etc even after their loan is approved because all lenders these days will do what is called a "soft pull" on your credit a day or 2 before settlement. They do this I am told to make sure there are no adverse changes to your credit. I tell my buyers, do not open any new credit cards, do not make any large purchases (even to get an extra 10% off at a store), do not put anything on defered billing, do not go buy carpet or furniture for the new house, etc. Do not do anything until after settlement.
My point is even if you had not been adding your wife the lender would still have pulled your credit again and could in the end deny your loan because of new adverse information.
I would still certainly sit down with the loan officer and look at your credit report and see what has changed. Perhaps you can pay something off to help boost your credit score back to acceptable numbers.
Another thing that can hurt your score is closing an old account. Sometimes folks close old accounts they are not using anymore thinking that will help their score. It actually hurts your score. Did you perhaps close an account?
Hope this helps. Good luck.
Darran Anthony, First Home Mortgage 703.840.4540 (office direct). My clients and I have been working with him for 9+ years. My clients all love him and there is yet to be another mortgage/loan officer I have come across that comes close to his level of knowledge, competence and ability to get things done. Darran has worked with many self-employed borrowers and knows the ins and outs of what's needed for such folks.
If you have other real estate related questions, please don't hesitate to ask me.
Real Estate Consultant/REALTOR(r)