The EX score of 884 is a FAKO score on a scale to 900. Pull all 3 FICO scores from here and you'll have a clearer picture come mortgage time. Pull all 3 of your too. I bet her FICOs are in line with yours.
You guys, if applying jointly, will have a great rate. I think most lenders will look at household income rather than individual income. On a smaller scale, someone posted here they appd for a prime CC and placed $0 as their income (student, I guess) but had a high score and they were approved without any problem.