D.C.
Most states are joint tenancy now, so even though your name and credit will obtain the mortgage, your husband will be included on the deed and will be entitled to 1/2 ownership of the property, this is something you should check in the state you live. Should you default on the mortgage, your credit will bear the negative burden since you are the primary name on the mortgage.
As far as fees, some are state controlled and therefore non-negotiable, but some of the fees are negotiable. Your Realtor should be able to give you some advice on this. Remember there are mortgage company fees, as well as title company fees and every company has their own fee schedule.