Joint Account?

[Frank Houpt]

My fiancé and I recently opened up a couple of joint accounts at our local bank, a savings and a checking. We both still have our separate accounts open, hers at the same bank as our joint accounts, and mine is with another bank. We want to be able to get separate loans on property so that we can maximize the amount of conventional loans available between us. Is it important that we keep those separate accounts? Or can we consolidate and just use the joints? How will having joint accounts vs. separate accounts effect our credit? Any thoughts on the matter will be greatly appreciated. 

Thanks