Can a Spouse with No Income Be Included in a Mortgage Loan?
Yes, that does two things.
1) If YOU make all of the payments on time, it improves the spouses credit rating. Unfortunately, if the spouse has a bad credit rating currently, it can force you into a higher interest rate and increase the monthly mortgage payment.
2) If YOU cannot make the payment for any reason, both of you are liable.
Keep in mind though that If you separate for any reason, and you are forced to sell the house, the spouse will get 1/2 of the proceeds without ever having contributed a cent.
I would recommend just putting it in your name and if you ever refinance after the spouse gets a job then you can add the spouse to the mortgage.