buying a home with your SO would you put your name on title/mortgage?

posted 3 years ago in Home
  • poll: Would you want both you & your SO name on title/mortgage?
    Absolutely! : (144 votes)
    78 %
    No, it would be ok not to have it on there : (26 votes)
    14 %
    I'm not sure. : (6 votes)
    3 %
    Other : (8 votes)
    4 %
  • Post # 3
    Member
    627 posts
    Busy bee
    • Wedding: May 2014 - Scottish Rite Cathedral (New Castle, PA)

    @FoxyBride14:  FI paid all the closing costs and had better credit so our house is currently only in his name. He makes the mortgage payments. When we get married we’ll look at adding me. I can understand people being concerned about putting both your names on when you’re not married yet, stuff happens. FI and I are comfortable with how we did it and we don’t have a rocky relationship that would lend either of us to worry about losing the house to the other. 

    Post # 5
    Member
    105 posts
    Blushing bee
    • Wedding: October 2012

    We bought a house before we were married and I insisted both of our names be on the mortgage. I was not going to feel like I was paying rent to him. It’s OUR home. 

    Post # 6
    Member
    1395 posts
    Bumble bee
    • Wedding: November 2011

    DH and I put the mortgage in just his name because my immigration status at the time would have made things a lot more complicated… Anyway, we wanted to be able to truly afford whatever we bought and not drown under a heavy mortgage, so we calculated affordability on his salary alone, which worked out really well now that I’m a SAHM. I’m not at all worried. It’s all his money (inheritance) we used to pay the downpayment, and it’s his salary that pays the mortgage (though it’s still totally ‘our’ money), so it seems more than fair.

    Post # 7
    Member
    1646 posts
    Bumble bee
    • Wedding: May 2014

    Our mortgage and title is under FI’s name only. My credit was junk, I didn’t have any savings. He paid all the closing costs and down payment. I pay a mortgage bill every few months but certainly not  every other month.

     

    I still feel like this is my home as well. I’ve never felt otherwise. And in my state, once you’re married, it’s all 50/50. We will refinance down the road and add my name to the mortgage.

    Post # 8
    Member
    1646 posts
    Bumble bee
    • Wedding: May 2014

    Also- it’s kind of fun lol. When he won’t listen to me about clearing the snow off the roof or other maintenance, I get to joke with him… “well just remember it’s only under your name!” Tis all in good fun.

    Post # 9
    Member
    3223 posts
    Sugar bee

    It was always in both of our names. 

    But when we met with the lawyer about closing, we had him also draft something about what would happen should the relationship dissolve before we were married.  We didn’t think it would happen, but we are both quite logical and practical so know something could always happen, and we wanted to be prepared.

    Post # 10
    Member
    3280 posts
    Sugar bee
    • Wedding: June 2014

    My FI bought a house. He put down the downpayment, he pays the mortgage every month so of course it’s his house. I just pay some of the utilities. I’ll probably be added to the title once we’re married. I wouldn’t buy a house with someone unless we were getting married soon either.

     

    Post # 12
    Member
    3280 posts
    Sugar bee
    • Wedding: June 2014

    @FoxyBride14:  Yeah same thing here. It was much cheaper to actually buy a house then rent an older 2 bd apartment for us. 

     

    Post # 13
    Member
    627 posts
    Busy bee
    • Wedding: May 2014 - Scottish Rite Cathedral (New Castle, PA)

    @FoxyBride14:  Oh absolutely! Maybe I wasn’t clear, I didn’t put a single dime into this house on purchase. FI put the money down, paid the closing costs and pays the mortgage and taxes every month. We did all the house shopping together and bought a house that we both agreed on and we both live together in it. The house is in FI name, he used all of his hard earned money and he also had better credit (so it wouldn’t have been a benefit monetarily for me to be on it). I currently pay all of the utility bills which I was paying when I lived in my personal apartment so nothing changed for me (well, I live rent free now 😉 ). We dated for 8 months before getting engaged and buying the house so I think people would’ve been far more concerned for us if we had bought a house with both our names on it at that point. Like I said, once we’re married we’ll add me to the mortgage, the same as we’ll add me to his bank accounts and him to mine. It just made the most sense for us. We have never thought of the house as anything but “ours” despite the paperwork being in his name and as I said we have no reason to believe it will ever come down to us separating and arguing over the house. If we did though, I think it’s only fair that the house is his since he indeed paid for it. I wasn’t at all saying your situation was relatable to ours I was just answering your question of what we did. 

    Post # 14
    Member
    534 posts
    Busy bee
    • Wedding: March 2014

    If you put down half the down payment, absolutely your name should be on the deed.  No question.

    Post # 15
    Member
    856 posts
    Busy bee
    • Wedding: July 2013

    Our home is in DHs name. He paid/pays for everything. It wouldn’t have matted to us (I signed at closing-he wasn’t even there) but it would have complicated things for it to be in both of our names.

    We are married now so it doesn’t matter. Anything could happen so unless I put tons of money in Id not want both names on a house.

    Post # 16
    Member
    2332 posts
    Buzzing bee
    • Wedding: August 2013

    The mortgage and house deeds are in both our names. My husband pays the mortgage but it was the sale of my previous house that helped too. It’s our house that we share together. I find it strange when one half of the couple insists on only having the deeds in their name, especially if they are engaged. I think that it should be joint. 

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