📄 When you are ready to buy a home, applying for a mortgage is one of the first and most important steps. For married couples, this usually involves applying for a mortgage loan jointly. Here are a few tips on joint mortgage applications. Joint mortgage loans aren’t just for spouses; many life partners also purchase a home together. A joint mortgage is usually a good choice for any couple, because you can combine your income to get approved for a larger mortgage or a better rate.