I was with same employer for 25 yrs. until 2 months ago. Husband employed .....My question is for a re-finance, can we both still apply? I have healthy 2011 (and earlier W'2s) with my salary. Do we need to just use his income for re-finance application? January 24 2012 - San Francisco00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.