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When "we" bought our house we weren't married (or engaged yet) although we did buy this house knowing it would be "our" home. I was still a student and not making hardly any money so it was a joint decision that the home would be in his name until after the wedding. We've not put my name on the house and honestly I'm not sure we'll bother with it until after we move next year, it's a ton of paperwork and I'm not really worried about anything going down, haha!
@KansasPrincess11: Thats the same for us. We weren't even engaged yet but we knew we were looking for our forever home. Like you, I'm not really worried about anything going down and me being stuck with the debt.
The house we own is owned jointly. Credit was pretty easy back then and we both had pretty good scores. If one of us couldn't qualify for a mortgage, we would have kept the home in that person's name only.
He is the only one on the mortgage. I made some pretty poor choices financially several years ago that impacted my credit so I (not him) was adamant that my name be nowhere on that loan! LOL! We have provisions in place so that if anything happens to him, the house won't be pulled out from under me. Maybe someday, we will revisit having my name on the loan. But for now, this is working for us!
We live in his house. I still own a house with my ex-husband that we can't sell due to it being upside-down.
Both my FI and I own the debt, but I put down the huge downpayment. Sometimes I feel like it is more my house, than his...lol, jk!
He owns the house here. When he bought it, we weren't engaged and no matter what, I wasn't willing to put my name on another mortgage.
I have a house in another state that only I own (purchased long before I met him)--can't sell it
He owns the house/debt. He actually bought it with the ex wife but bought her out when they separated.
I thought once you get married you inquire each other's debt from the time you're married.
We are both owners, never a question that we would both be one it even if we found a house before we got married
I think that is true, but I am not sure how it all works.
Mr. A is the only name on the mortgage because of some credit issues I had before I met him. My name is, however, on the deed.
The mortgage is under FI's name. He bought the house before we got engaged
We picked out the house together and each pay the bills but DH's name is on the paperwork because we weren't engaged or married when it was bought. We both think of it as our house though. Our next home will have both our names on it, it was just too much $ and paperwork to change after the wedding.
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DH and I have a home, I consider it OUR home, we found it together, we pay for it together.
I have never and will never say it is MY house...but technically I own the debt. :)
I am just curious....homeowners of the hive Who "owns" the debt to your home (who is on the loan)