Basicmedics.... A lot of people feel like their credit may be a bit poor when in reality it is good enough.
And you don't have to be married for you both to be on the loan and use both incomes.
Apply.... many loan officers can coach you on what to do to get the credit in better shape should you need to work on that.
The above link is to a free e-book about credit.
Feel free to follow up with me if you have any questions.