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Question about getting a loan with my Fiancee or not

My fiancee and I are about 2-3 months out from buying and want to get pre-approved soon. However, we're not sure whether being on the mortgage together will help or hurt our mortgage terms. The way we see it, the pros of having us on together is that we both have good credit (above 700 although mine is about 50 points higher) and it's extra income to show. The cons are that our combined debt to income ratio is worse, her employment hasn't been steady due to COVID, and we're unmarried. Not really looking to get approved for a higher amount since the places we're looking are easily afforded on just my income, just worried it will affect our rate. Thanks!

submitted by /u/based-j
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source https://www.reddit.com/r/RealEstate/comments/j2ax0a/question_about_getting_a_loan_with_my_fiancee_or/
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