<prompt> Human: Im house shopping with my future wife and she has a limited credit history, putting her rating at around 700. Mine is 780 and that lead me to a couple of questions:1. In addition to simplifying prenuptial house ownership, would there be a rate benefit to mine being the only name on the mortgage?2. If I earn 50 more than her, will that give my credit rating greater weight if we filed jointly for a mortgage?Thanks so much!  <response>: You will get approved for less money overall, but possibly at a better rate. Have a bank run numbers with both options. 