<prompt> Human: My wife and I are worried that they will re-assess our finances and see that my wife is no longer working and see that I do not have a very established credit FICO of 660 and a relatively new credit history. Would they refuse to add me or hike up our payments? How does this work? Edit: Im trying to build credit so that Im a few years we can move into a larger home off of my credit and income. Were hoping that this would help make that easier.  <response>: My wife and I are worried that they will re-assess our finances Why would they do this? As long as you are up to date on your payments, they dont care. or if you are looking to refinance.If you wanted to be added to the loan, it would require refinancing. This WOULD make the bank re-evaluate your situation. The refinancing process costs money think of many of the closing costs she incurred last time, so you would only do it if you are getting a better interest rate, usually. With your credit score, and depending on when your wife bought the house, the rate with you added could very well be higher.You may want to look into adding yourself onto the deed, so the house is in both of your name in case anything happened. 