Now it's my turn for a rant… The FH-effing-A……

posted 3 years ago in The Lounge
Post # 3
Member
846 posts
Busy bee
  • Wedding: October 2015

Wow, that is crazy! Who knew you would run into so many issues trying to buy a house when you’re not married?? I know of several couples that are not married yet but have managed to buy a house. Though, I do not know if they ran into any problems like you have so I’m not sure how smooth the process was for them.

BF is wanting to buy a house together in three or four years. But I plan on making sure that we’re married before that point because it is apparently much more difficult to buy a house together if you’re not married yet.

Hopefully all of your issues will be resolved quickly and you will be in your new home in two weeks! 🙂

Though I am curious. What made you decide to buy a house now as opposed to waiting until after you got married? Was it because your lease is running out? 

Post # 4
Member
9137 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

@Sunnyday278:  It’s way easier to buy a house once you’re married, plus you are both totally protected as well.  Banks are really harsh on unmarried persons buying a house together because they are more likely to default.

If you’re really dead set on buying it now, why not hit the courthouse for the piece of paper that really matters to the bank?

Post # 5
Member
846 posts
Busy bee
  • Wedding: October 2015

@beachbride1216:  That makes sense. In case the couple breaks up before marriage then you have one person stuck paying for the mortgage instead of two. I can see why banks prefer married couples. Harder to break up, I suppose. 

Post # 6
Member
9137 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

@LadyBlackheart:  I used to work for a mortgage company so I got to see the points values for applicants.  You get double to triple the points just by being married.

Post # 7
Member
753 posts
Busy bee
  • Wedding: June 2013

@Sunnyday278:  I know your pain!!! we are VA and jumping thru  the same kind of hoops..since we couldnt find a house before we were married and DH was the only one on the loan we hav to start over… 

we had to wait an extra 8 months for him to get qualified becuase when he got out of the military he got a job as a securty gaurd for 2 months to just hav an income.. then he went into construction.. since it wasnt the same field he didnt hav enough work history, even tho he was NEVER unemployed.. 

oh well, we start all over next week, getting qualfied with both of our incomes.. hope we can find a house

Post # 8
Member
11772 posts
Sugar Beekeeper
  • Wedding: May 2013

You poor thing! That SUCKS!

Post # 11
Member
10748 posts
Sugar Beekeeper
  • Wedding: February 2014

Wow! That’s crazy. We never ran into any issues buying a house together before we were even engaged. We set up a joint account specifically to do the house, so there was like zero legal history of us together haha. We are Canadian, and had 50% downpayment so we didn’t need mortgage insurance or anything. I wonder if that’s why? 

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