Daycare costs and mortgage amount

[Anonymous]

I recently got a loan (in my name only - I make about $100k) for the high 300's and didn't include childcare as an expense since technically, DH's salary covers it. We also signed a new lease in just DH's name so the rent didn't count under my expenses/debt either.

Applying as one person in a two-person household has its advantages. If your savings are in a joint account, you might want to consider it if you can swing it (stay under the 30% of gross income going towards debt) with your income alone. You can still hold title jointly.