My husband and I are trying to buy a home. He has steady income, but I’m unemployed. We live in Arizona so they require us both to technically apply, and even though I have no income, they count my debts. Which makes sense...

My question though is if it’s only my husbands income that we have, do they ask for my bank statements and everything else? Or do they just get that from my husband since he has the income and pays the bills, and they just look at my debt and credit history?

This whole process freaks me out and makes me nervous.