Will my low score effect our mortgage loan chances?

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My fiancee and I are looking to move out of our apartment and buy a house. She currently has a credit score of about 750 and mine is a pathetic 640, mainly due to not having a long credit history. We both want to be on the loan. We are looking at getting an FHA loan.

With my low score could that cause it to be declined in spite of her high score? Can I be added on to the loan after the fact if she just applied on her own? Is it possible to have two people on a loan? Are some companies more strict than others? Thanks for your help

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