If she is on the mortgage application, that means all of her finances will be looked at. This includes her income, credit, debt, assets, etc. If she is not on the mortgage and you are the sole applicant. That means none of her finances will be looked at. So the best thing for you to do is to speak with a knowledgeable lender like myself to see if you can get started on financing a new home. If you need additional assistance, feel free to reach out. Good luck!
Sr. Mortgage Banker
NMLS # 659743