I am a Realtor & an Attorney licensed only in OH & I don't represent you, so what I write are my personal opinions. I suggest that you select a local lender to handle your transaction. The lender will check the credit for both of you & verify both incomes as well other items. The lender will tell you the maximum loan you can qualify for, assuming that your property appraisal matches or exceeds the loan amount. The lender will use a title company to complete the transaction. You can tell your lender & the title company you want the property in both names. The title company can arrange for an attorney to prepare a deed for you to sign as part of the transaction.