If a husband qualifies with none of his spouses' expenses or income but it was a joint application, is it ok to approve the loan based on the husband only? The wife is self employed and showed a loss on her businesses. The loss made their combined debt to income over our guidelines. Should the husband have to cover the losses and spouses' debt (that he's not signing on) to qualify or could we maintain the joint application but note the file that it is only approved based on his information?