First time homebuyer.....need advice.

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My wife and I are in process of buying a home. We have decided to only use one person as borrower on the mortgage loan, which wouldbe mine. The reasons being are multifold..mainly.. (1) to protect hercredit in the unfortunate event of any foreclosure issues (2) to stay withinour budget by not getting a loan too large to handle and (3) to free upmy wife's credit in case we need to finance an investment, purchase in the future...She earns 60k annually, and I take home about $240k in gross income.Our potential home costs $750k..My debt is $2k monthy and fico about 680..and plan to put down payment 10-15%...but 20% if necessary to get the loan approved.being a first time homebuyer...do you forsee any problems in getting such a loan approved based on my income and situation. Like i stated, I am not planning to have my wife cosign the loan agreement. However, if the loan is not approved for whatever reason, I will have her cosign.thanks for your input.Another question is this...can my wife still be put on the home title even if she is not on the loan agreement?


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(Source: mortgagefit.com)