Rckstrscott wrote:

You mention your scores but no mention of her scores. If her scores do not qualify then you would have to apply alone.

Her score are similar to mine (non Fico) but she does have a medical collection for $1400 and another for $475.  Should these be paid if my score is higher? 

She is the one with a good mortgage history on a couple previous home loans which is the reason we figured I would be primary.  Thoughts?????