Just bought my first place @ 22 wife was on the loan, same age.

I have around a 650 score and she was about 630, we both make pretty decent money, but I qualified on only making 38k, and her @ 36k.

It was a lil stretch but we did get a loan @ 180k.

Your credit score is important, as is your debt to income ratio. Assuming you are doing FHA.