When it comes to obtaining a mortgage, there are many necessary items to mark off your checklist. From a good credit score to showing you have a steady stream of income, borrowing money for a house isn't an instant decision.

But did you know your relationship status can also affect whether lenders will loan you money?

If you're married or in a committed relationship, you can either choose to apply for the mortgage jointly or separately. However, lenders will look at the worthiness of both individuals, even if you apply jointly.

But if you're single, you don't have to run out hastily get married. Mortgage lenders won't hold your single status as a negative. Just know that you'll have to double check to ensure you can afford the monthly mortgage payments, insurance, taxes and other homeowner costs.