<prompt> Human: My wife and I are looking into buying a house in the next month or so. We are selling HER previous house and once it is sold we will use the capital from that to use as a down payment on the new one. The catch is that now that we are married we arent sure if I should be on the mortgage or not because I am a bigger financial risk than my wife.I have been able to get my credit score up to about 675 from a low of 490, but my wife is around 780. Am I going to hurt our chances based on my currentpast credit?  <response>: If your wife can handle the loan without you, this is likely the better option; your credit score will likely reduce your chances of getting the best rate. 