Your question begs answering by your Mortgage Banker who is Prequalifying you for mortgage financing. Only your Mortgage Banker can answer this question based on a detailed review of your Income, Assets, and Credit.
NMLS # 6395
Financing Kentucky One Home at a Time
Now, for example, you have a score below 600, the lender may still require her credit be pulled and used for approval. She doesn't have to be on the loan, but her score may still affect the outcome.
Please make sure to add her to your Will and Testament, if not added to title, unless you just don't want her to have a place to live should something happen to you.
I would be happy to help you out. If you visit my website below you can sign up for FREE listing alerts from the MLS system. It is a great way to start your search followed up by working with a knowledgable Realtor that can help you find the right place AND negotiate a good deal.
Best of luck to you!
Buckhead Home Realty
"Serving the Atlanta Metro Area"