If I apply for a loan on my own, can I add my soon-to-be wife on the title at a later time?

Yes.. If she wanted to be on the loan, then she would need to apply along with you, but her debt and credit scores would also be considered.. However, you can always add her to the deed to the home after you close.. so long as you remain on title, there's usually no problem.. Understand that this could trigger a "Due on Sale" clause which will be part of the deed of trust you sign when you get your loan, but typically, most lenders will not exercise this feature, especially when the payments are being made on time.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347

Yes you can add her post closing. There is a chance the lender will trigger a due on sales clause as you have changed the terms of the deed. You will need to complete a quick claim deed adding her to the title. You would then take that to your county recorders office and pay the recording fee to have it recorded with the county.

Sure, and it should be an option to add her at closing as well. As long as she isn't applying as part of the financing her debts do not count. - Typically that is a little less expensive than going back to change the ownership after closing but you may wish to wait until after the wedding - your choice.