My girlfriend and I are looking into purchasing a home. I make more $ than she does but she has better credit than I do. What are my mortgage options? Do we both have to be on the mortgage? Would it be better to have her on the mortgage and myself as a cosigner? Or the other way around?

Thanks

Generally mortgages are underwritten on the sum of the incomes and the lowest FICO score of the borrowers (including co-signers).

If this is a "first home" , i.e. neither one of you has had an ownership interest in a home in three years, you may qualify for an FHA loan which has less rigid FICO score requirements.

Frankly, I would not recommend buying a home as "friends". There are too many things that can go wrong.