joint filing affects loan applications?

[Emily Murray]

My partner and I have in the past filed taxes separately and we have separate personal bank accounts. This has made it pretty clean to do the loan applications, as we are getting each of our property loans in only one of our names or the other. We want to maximize the number of federally backed loans we can get based on the number allowed and DTI ratio.

My tax advisor says it could be a tax advantage if we file jointly this year (he will run the numbers). If we file jointly will it negate or complicate our ability to get a loan as an individual?