Aggressive Estimate of "How Much Can I Borrow Calculator"

[Anonymous]

My wife, who is a new immigrant, does not have two years credit history, although the income of both of us has no problem of making us qualify for the amount we want; so I am figuring what is the maximum amount I can get if I am the only applicant.

I put my gross income and estimate of mortgage rate and tax into myFICO How Much Can I Borrow Calculator,

http://www.myfico.com/loancenter/mortgage/calculators/loanbalancelimit.aspx

there is about $110K difference in the loan amount ($140K in price of home) in the conservative estimate and aggressive estimate. How likely or how can I get the loan amount out of aggressive estimate?

[techgirl]

I would think that underwriting would take that into consideration.... maybe put you down as the primary and  her as the secondary - I'd check it out - let us know.