Depends, does your fiance qualify on her own; visit with any licensed loan officer, after reviewing your overall financial information, income, credit, debt, a determination on qualification can be made, the type of loan, how much, how much down, etc.; be aware that a mortgage pre-approval letter is required in order to determine your price range and for any offers to be taken seriously. Keep in mind that lenders have their income v. debt criteria for qualifying for the amount of a mortgageâ€”oftentimes requiring that housing costs are not in excess of one-third of gross income in addition to a stipulated income v. overall debt-ratio. What lenders donâ€™t know are borrowersâ€™ non-debt spending habits, present and anticipated. You, the borrower, need to consider the economic factors of your lifestyle that would impact on your individual comfort level of affordability. A mortgage outside your budgetary constraints can dramatically alter your overall living conditions. So, be sure to factor micro and macro economic concerns into your mortgage amount deliberations.