<prompt> Human: My fiancé and I are building our first home and we just met with the mortgage lender yesterday. We qualified for 5 interest on a 350k loan. Because they take the middle of three credit scores of the borrower that has the lowest total score, they are using my fiancés credit score of 675 to calculate this rate. If I am the only borrower on the loan, they would use my credit score of 778, which would result in about a 4.65 interest rate.In addition to the interest rate reduction, if my credit score is used, our PMI monthly payment would drop from 404 to 113 per month.Is this a no-brainer? Obviously I would be solely on the hook for the loan. Her name would still be on the titledeed of the house, she just wouldnt be on the loan. What are the cons if we decide to go this route?  <response>: Dont add her to the titledeed until after the wedding if you can. 