MY wife and I are looking to get qualified for a loan. My Fico score is a little below 620 but hers is well above 700. She recently started a job as a contract worker making about $50,000/year and I bring home about $80,000/year. WHat is the best route to get qualified? Both of us on the loan or just one? The only debt we have is my college loan bill of $300/month.