Ownership Question with new home
That is a question best answered by an estate planning attorney. If you buy the new home after you are married it will be assumed by the state of Nevada to be joint property unless otherwise excluded legally. If he buys it before you are married then joint property rules get a bit more...

Is there anyone who knows and can tell if the person acting as a Mortgage or Loan officer is a scam?
You can at least look up if they are licensed here: http://mld.nv.gov/LicenseeSearch.asp ________________________________ John A. Brassner, MBA, REALTOR(R) Residential ? Commercial ? Business Sales ________________________________ Prudential Americana Group, REALTORS(R) 10777 W. Twain...

will be getting inheritance of 40k, should I pay down my debt, or use this for a down payment?
If the debt is credit card debt (or other high-interest debt), most likely paying that off is just more sound financially. Your lender should be able to counsel you on the best action plan. If you don't have a professional real estate agent yet, I would be happy to interview for the job.Best regards,-John...

what should down payment be on a 900,000 purchase of commercial building?
Depends on the loan product, use, property, and borrower profile. It could be anywhere from 10% (SBA) to 40%. Have you talked to a lender yet? Only they can tell you what product will work in your situation and required down-payment.