Post # 1
My best friend just “bought a house” with her boyfriend of 4 years. Though she is paying 50% of all the bills and the mortgage only his name is on the deed. She wants to marry him some day but he’s really not the “marrying type” if you know what I mean.
Anyway, how do you feel about her paying 50% and not having anything to show for it? Do you think this is fair/right?
Post # 3
@LovelyLaura8: No, it is not fair or right. She needs to protect herself in the event they break up.
Post # 4
- Wedding: March 2012 - Pelican Grand Beach Resort
I think she should pay 50% of the average rent on a comparable home in the area or 50% of the mortgage, whichever is less, as her “rent” to live there.
ETA: I assume she didn’t help with the down payment. If she did, I’d have a different opinion.
Post # 5
You said she pays 50% of the bills, is that bills like groceries, etc or does that include the mortgage? And did she pay some of the deposit or did he pay for that on his own? If she is not paying for part of the mortgage and didn’t pay for the deposit, she shouldn’t be on the deed, but if she did and is paying for the house itself then yes she should be on the deed.
Post # 6
If she’s paying half, she needs to have her name on it, absolutely. Otherwise she’s basically just donating thousands of dollars to her boyfriend, and in the event that they break up, will have nothing to show for it.
Post # 7
- Wedding: November 2013 - St. Augustine Beach, FL
That was very stupid on her part (and very smart on his.) If they don’t work out he can kick her out of HIS house and he gets all of the benefits of her paying for it. She could try to take him to court but in most states she still wouldn’t get anything.
Even if he doesn’t leave her, should he die in a car accident tomorrow, she gets zero percentage/part of the house. His family would get everything and she would get nothing. That is a poor investment on her part to buy a house with a guy you’re not married to and then not even get on the deed. Tsk tsk.
Post # 8
Well if she basically looks at like paying rent and didn’t contribute to the down payment I don’t see what the issue is.
Post # 9
Did she contribute to the downpayment on the house or is she also on the mortgage? If so, then yes, absolutely she should be. But if those things were done solely by her boyfriend then she’s paying part of the rent and it’s unrealistic for a roommate to be included on the deed if they are not also on the hook for the mortgage.
Post # 10
I think it really depends on her expectations. If she considers this buying a house together then it’s messed up. If she realizes that she’s just a tenant and if they were to break up she’d have no rights and is okay with that, then I guess it’s fine. I personally wouldn’t do it.
Post # 11
@beachbride1216: Was going to say just this.
I sure as hell wouldn’t be paying for a mortgage on a house that wasn’t in my name; then again I also wouldn’t be ‘buying’ a house with a boyfriend either.
Post # 12
@mrsSonthebeach: I don’t believe she contributed to the down payment. 50% of local rent should be about $300 less than what she says she’s paying.
@Jacqui90: She is paying 50% of all bills related to living there, including groceries, utilities, and the mortgage.
Post # 13
@mrsSonthebeach: Those were my same thoughts.
Post # 14
- Wedding: October 2017 - Baton Rouge, LA
My SO and i “bought a house together” yet it is all in his name. We were able to get 0% down because we only used his salary. Had mine been on there, we would have had to come up with 20%. Impossible!! Plus SO’s credit is immaculant. That’s the way we HAD to do it to get the house.
As for the title of the house, it is also only in his name. They told us there was a way for him to add my name, but that its a lot of bs paperwork, especially since we plan on getting married within 5 years of buying the house. Once we do that, my name will automatically be on the title. What’s his is mine! lol Also, we were together for 7 years & 23 & 24 years old when we did this. Depending on the status of your friends relationship & if SHE and HE are confident that they’ll eventually get married, i wouldnt be too concerned.
Post # 15
She can go to a lawyer and have a co-habitation agreement drawn up. Stating that she owns half the house minus the deposit. We did this so that i could use my first time home buyers discount if we bought another property before marriage.
Post # 16
@LovelyLaura8: Then she should be put on the deed!