 I am not going to be on the mortgage with my boyfriend but on the deeds, am i still entitled to half the house? |
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Additional Details
I am in the Northern part of Minnesota, town of about 11,000. There are quite a few house on the market here, none of which have a pending sale, or sold sign on them.... |
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 Lying on your mortgage application? |
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prettyeyes_2_1999 | My fiance and I are buying a home, but I will not be on the paperwork? |
We are going to get married this year, so we are buying our home. In the midst of this, I lost my job at the time we were filling out the loan forms. My fiance makes enough money to qualify alone and has a great credit score over 700. However, now that I do not have a job he is doing all the paperwork including the deed with himself. I realize I unfortunatly lost my job, but does that have to exclude me from the deed as a co-owner. I will be going back to work soon. After all, I am going to be his spouse soon. I am not knowing what to do. I am going to fill like a renter to him now. Someone have some advice. What if something happens to him. What happens to our home? He is going to make and offer today and not require me to be there to sign the paperwork.
Additional Details
All answers were good advice, but I was making 45, 000 a year until laid off. I am capable of working and the loan officer suggested I didnt need to be on since he only needed one with good credit (in which we both do). Things changed, i am capable of working and putting in and my income will be included for mortgage, so I am not sure why the real estate agent is suggesting I didnt need to be on the deed. I would think so. |
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evensonhimself
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some people should do they're homework before they answer questions on here.
i'm sorry you had to listen to everyones rant and rave about if you should trust your fiance or not????
guys, that isn't what was at question here. it was her right to put herself on the deed once they are married, and as your current loan officer says is true- yes it is easy. if they could put you on the loan they'd be more than happy too. a bank would much rather have 2 people to go after if a loan went into default rather than just 1 person. i'm guessing there are credit cards or car payments in your name that by putting you on the loan with no income make it so he can not qualify for the loan without your income and yo on the loan.
and heck! all these people are telling you 2 question your fiance on this. if something did happen and you and him split up, or whatever (which probably isn't going to happen) but if so, all these people are warning you about it. you would not be obligated to pay anything! and you'll be renting in the meantime anyways...... so i see no problem. go get the house, get married get put on the deed. now the house because 50% yours, however you have no obligation on the loan.
sounds like a good deal to me! |
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donald e
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oh have i seen this one b4, not only will you be a renter, but if anything happens, relationship wise or to him you will also be homeless and out whatever you have spent, DEMAND THAT YOU BE ON THE DEED, AS JOINT OWNER WITH THE RIGHT OF SURVIORSHIP, ANYTHING LESS THAN THIS AND YOU ARE LOOKING FOR TROUBLE. IF HE REFUSES I WILL PLAY ANN LANDERS, RUN RUN RUN AWAY FROM HIM AND THE HOUSE DON'T EVEN THINK ABOUT MOVING IN AS HE IS NOT THE RIGHT ONE FOR YOU. NOT EVEN A MOMENTS HESITATION ON HIS PART SHOULD BE TOLERATED. IF HE REALLY LOVES YOU HE WILL DO THIS, AND ANY HESITATION SHOULD BE CLEARER THAN THE WRITING ON THE WALL FOR YOU.
landlord is wrong wrong wrong, the legality of the situation is in question here if he should meet his maker, and who inherits the property unless his will(which is changeable) names you as the inheritor of the property. with the deed as joint tenants with right of survivorship guarantees that you get the property, and that he cannot do anything with the property ie. sell, refinance, etc. without your permission. be very careful |
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Sane
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He is not required to have your name on anything. However, if YOU ever want a part claim in that property, you must be on the deed. He can put your name on the deed even if you are not a part of the mortgage loan. |
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Landlord
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His mortgage broker will question multiple names on the deed at this time. After you are married you can easily be added to the deed. I would not sweat it now. |
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robert w
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first stop .
until u are married , u are in a 'parternship' without legal rights.
when u marry , u will not be on the title or deed. should u want to u/he may have to refinance the house all over again.
should he die/leave , u have no legal rights to the house.
second get married , rent a year untill u know each other and ur inlaws. save up lots of money then buy. |
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Expert Realtor
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The loan officer is not being truthful with you. You CAN be a second party on a mortgage with no income as an equal partner and on the deed.
However, you and your fiance need to have a very frank talk with each other. Do you have a hard-core wedding date set?
If not, that is why your fiance doesn't want you on the loan or the deed just yet.
However, if you live in a marital interest state, and let's say your fiance closed on the house tomorrow, the day you marry, is the day you own 50% of the primary residence., even if your name never goes on the title.
That is the difference between the legal protection of married couples vs live ins |
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rubberduckygeorge
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be a co-owner, if for some reason you guys get a divorce, he gets the whole house and you get nothing. but then if you don't and he defaults, or you lose your home, it will only hurt his credit, and not yours. |
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Matt K
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Here's the deal short and sweet.
If you are not on the deed, then you have no legal ownership of the property whatsoever. I'm pretty sure this is true even in community property states because you said he will buy it before you are actually married, so it's an asset obtained before marriage.
Yes, you could be added to the deed later, but if and only if your husband adds you. He would not be obligated to do so.
Frankly, I think you guys need to wait until you start working and can be co-borrowers. That way you are both obligated to pay the mortgage. This is probably why your fiance is reluctant to put your name on the deed - because only he has the obligation to repay the mortgage b/c he's applying solely. |
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daeve930
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Here's the thing: with your debt added his income might not be enough.
If that's not a problem, and your credit is good enough not to increase the interest rate, there's no reason you can't be on the loan, unless the bank has some problem with it. I don't think they can discriminate, and the bank I work for would put you on the loan without a job. Lots of wives don't have income-earning jobs (some husbands too) and they're on the loan and the deed. These are two separate items, and you should be able to be on the warranty deed even if you're not on the loan.
If something happens to him before you're married, the house goes to his estate. If you're his only heir named in his will, no problem but if it's not specified his family will own your home, because it's NOT your home unless you are on the warranty deed.
Does he not want you on the loan? If that's the case (for any reason other than you have bad credit or too much debt), I'd be concerned.
Once you're married, whether you are on the deed or not, you will have rights in the property. Most states have courtesy and dower laws giving non-owner spouses rights in property. You may not get the whole thing, if there are other heirs, but you wouldn't be totally left out either. |
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Tres7
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If your state has laws about Dior interest, you will not have to worry about it much. When you say I Do half of everything is yours unless he is putting a great deal of down payment on the property which if anything happens to your marriage he could possibly retain the down payment money. Just make sure that if your name is not on the deed that he has a will. If he does not have a will you need to be on the deed as survivor. You can be on the deed and not be on the mortgage. Good Luck! |
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bdancer222
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Since you are not married yet, it is better that you are not on the mortgage and deed. Don't fork over $$ for the downpayment either. You may be engaged and plan on getting married but there's a long line of folks with similar tales that jointly purchased a house and then broke up.
There are courts set up to divide marital assets but none to divide up joint assets of live togethers. Getting untangled can be a nightmare and extremely expensive.
When you actually get married, you can be added to the deed. Until then, you ARE just a renter in the house. |
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sesame
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No, you are not both buying a home. Your fiance is.
If you're not working or contributing anything, are you sure he is truthful? If he was, he might marry you and then you'd both go and find a nice house together - not running off to do the deeds. It's like... if it happens this way he gets 100% say on which house you live in and where it is.
This just sounds a bit odd. You shouldn't be a co-owner if you're broke, sorry but free houses are hard to come by! |
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