It really depends on the type of mortage you are getting and how you will be applying. It also depends on both your credit score and your husband's credit score. Lenders will determine what type of financing they give you based on credit score ranges. An example would be if you have a 725 FICO and he has a 720 you will both be rated the same. If you have a 700 and he has a 630 than you will be rated much better BUT if you do not have some of the other requirements for the loan and he does (such as employment history) than it may actually be easier under his score. My reccomendation is to visit with a lender and they will be able to give you the best information based on your specific situation.