OP, I split your post to form a new one here. I had to edit the title, but changed nothing else. If you'd like to change the title, click "Options" and then "Edit Message".

Lenders generally have the same guidelines, but each can have their own differences. I responded to your post in Rebuilding, I believe, but if utilization is an issue, you may want to focus on your DH's credit. You'll find that his score will rise fairly quickly and the DTI would be less of an issue, if at all. Per the late, GW it and if approved, the three things you just mentioned wouldn't be an issue the next time you approach a lender.