Just talked to the morgage guy.  Get this guys....I have a zero FICO score....<---well duh!  I am debt freeeeeeeeeeeee.  :)  The loan (fingers crossed) is only going to be able to be in my name.  I make more money than I realized.  I just looked at my year to date and thought it was wrong.  Unfortunatly since I have a zero FICO score, the guy is trying to figure something out for me.