re: 15yr Mortgage... Where to begin?

If your wife has w-2 income, then she should do the loan. You will sign the mortgage, but the note will be under her name. She wil turn in her w-2's, check stubs, etc. Way easier. It doesn't matter if you make more money. As long as she doesn't have a lot of debt. send me an email and I will put you in touch with someone who can help you.