Marvin, if you apply solely in your name, then the only situation where your wife's sole debts would count against what you could qualify for is if you are purchasing a property in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin) and you are using government (VA, FHA or USDA) financing - so a combination of both would trigger that requirement. Using conventional financing in a community property state would not require your wife's sole debts to be included. However Maryland is not a community property state anyway, so if you are buying there, then only the debts in your name will be included in the debt-to-income (DTI) ratio regardless of which mortgage type you plan on using. If you don't have your financing squared away I'd be happy to help you out with that.
Shane Milne | Lending in all 50 states | NMLS #81195