Can I put her name on the house if we are not married?

As long as your girlfriend has the ability to qualify for the loan you will have no problem putting her on. The lender will look at the lower of your two credit scores as well as any negative things that may be there to impact the qualifying. I can help you with figuring out what the best option for you and your girlfriend would be. Call me at 503-485-9500

You can have anyone on title of the home. To be on the loan she would need to qualify with the lender.

Yes, you can jointly apply for mortgage pre-approval. If approved, both would be liable for mortgage re-payment as well as being vested on title once new Deed of Trust is recorded. As indicated below, both borrowers must qualify. If one borrower, however, has sufficient income than the other borrower may not require additional income other than meeting the credit score and other requirements.

Yes, as long as you both qualify for the loan you can both be on the loan without being married. The lender will use the lowest credit score to determine eligibility.

Yes, and the title vesting would read, " (him), as to 50/100 interest and (her) as to 50/100 interest, as tenants in common".

Sure, you can't be discriminated against just because you are not married. Two friends can buy a home together as well, or a parent & child, etc. Talk to your attorney or title company about how to structure the title so it is clear you are each 50% owners.

As long as you are doing a FHA, Conventional, or USDA loan then you can put her on the loan. As the other comments have noted, the lender will look at the lower of your two middle credit scores. Assuming your girlfriend has a usable score and also does not limit the purchase with the presence of judgments, a bankruptcy, or a foreclosure, you could put her on the loan. If she has any judgments they will need to be satisfied at or prior to closing. If she has a bankruptcy or foreclosure then those will potentially limit the ability to purchase depending on when they happened and the product guidelines.If you happen to be a Veteran and are doing a VA loan, almost all lenders will not allow a non-married coborrower. You would have to go directly through the VA to get their approval on the loan and this can be difficult.If you qualify for the home you are buying with just your income, you could do the loan in just your name, but put both of you on title. Just remember that being on the loan is not about ownership. You could simply be obligated (on the loan alone), but you both could be on title and own the property 50/50.

Yes, you can structure it however is best for your situation if you both qualify. You will want to proceed with someone who will consider what is best for both of you now AND have a plan for how to re-title if necessary if/when you get married or don't get married. I'm happy to help with the financing or just give you advice. So if you need more information, or a competing rate quote you can go to my web page, call or email. and use my live support button to discuss or get advice on anything at all with me. Web Address is: http://www.loansfromrob.com/quote/ Email is rhanson@gladewaternational.com and direct phone is 240-752-7549. Good Luck -- Rob Hanson

Sure... Not a problem... Assuming you both qualify. Talk to a local lender in your area for details on your personal situation. www.SaintPaulMortgageBroker.com

Your girlfriends previous husbands VA is not relevant. Whether you have to change anything after marriage depends on how you end up structuring now.... It may be smart to change the titling of the property afterwards... Once we looked at how best to get you two into the house, we would know the answer to this....Robert L. HansonGladewater National BankFirst Time Homebuyer SpecialistDirect: 240-752-7549Cell: 301-651-7822Email: rhanson@gladewaternational.comNMLS# 695929Rate quote or live chat with me at the link below:http://www.loansfromrob.com/quote/