> when my wife and I went to apply for a mortgage, our agent at the bank told us not to even bother including my name and assets I think there exists a differe

> when my wife and I went to apply for a mortgage, our agent at the bank told us not to even bother including my name and assets I think there exists a difference in what the author is communicating happened here and what actually happened here. I'm presently in the process of applying for a mortgage. I'm married. My wife will, pretty much inevitably, be told not to bother filling out her half of the application. This is not because the loan officer, a commission-seeking sales employee of the mortgage originator, believes she is unlikely to be approved for a mortgage. This is because the loan officer is accurately advising the juice is not worth the squeeze. The loan officer sitting down with my wife and I is going to say "Mrs. McKenzie, your situation is complicated to explain. His really isn't. Do you want to spend many hours documenting it in a fashion which will not change our decision on how much house you can afford or what your mortgage rate will be?" I understand that this is not the way that people are socialized to think about credit, but understanding the business process here would cause one to have a very different understanding of the amount of actual damage sustained here.