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I am moving in with my girlfriend for at least the next 3 months until her lease is up. I am really interested in buying a condo and moving there next, because Ive been renting for so long. I dont have a lot of savings, but she has $20K saved up for a down payment. I make a lot more money than she does, and not much of her money would be available for mortgage payments anyway, so together our monthy Gross income would be around $6,000-$7,000. I have considerable credit Debt at about $25K she has about $5K in cedit Debt. We own our Cars, have decent credit scores, and have no kids. I am not sure where to start, and know nothing about this stuff so here are my qurestions: 1. Should we have a lawyer write up a special agreement between us for mortgage? 2. The Condos we like are great places, not yet built, near a city center and train line and all the good stuff are listed around 270K-290K, should we expect to pay less than that, can we afford it? 3. Where do we start? Who is first cal
Thank you for all your answers. We intend to get married, but thats exspensive and we have been together for over 7 years with a lot of confidence in the relationship, not that that even matters, because I am not asking if its a good idea to do this with a girlfriend, I am asking how to go about it and how we can both protect ourselves legally speaking. Why is it when i give honest answers to the "mortgage calulators" Ive used online or the "how much home can you afford" tools, I get numbers right in the area of 280K? Personally, I operate on the "cant take it with you" financing and I am optimistic about it, and dont worry very much about it. My pay over the last 3 years has doubled, and It should keep climbing. I forgot to mention roughly 7K of my own I have in investments, Which I could use in this endevor, or to pay down debt or continue to invest. Thanks again for the great answers and If i could figure out how to select a "best" answer, I would...
My recommendation would be to first and foremost pay off all of your credit card debt. This will allow you gain more favorable mortgage terms since excessive credit card debt can reduce your score thus resulting in unfavorable mortgage terms. In regards to question 1, it is a bit tricky. It depends who acquires the mortgage and who the notes name is in. If you purchase the home and your girlfriend gives you the down payment to utilize in purchase of the home you could work out a contract between the two of you (consult a lawyer). This plan could work either way--she buys the place and you pay her. *One other option that will require additional down payment $$$ capital and co signing of you both. You can start a Limited Liability Corporation, get a federal tax Id number, open a bank account, dump the down payment into bank account, gain a commercial loan (which you both co-sign on), purchase the property and you both are considered tenants of your own company. If there is ever a problem you both own 50 percent of the stock in the company so therefore are entitled to 50 percent of the gain on the sale. WARNING!--There is paperwork with owning your own company and tax time can be a bit difficult since you do not technically own the property. Your second question I would highly recommend reading a book called the Millionaire Next Door. Its basic premise is to live below your means so that you are not a slave to debt. Hanceville regards to the price of the unit, you may be able to get a lower price if they sit for a prolonged period time but if there is a waiting list your gonna pay top dollar. 3. Read a few books by Robert Kawasaki (the Cashflow Quadrant is awesome), pay off credit card debt asap, weigh your options concerning your mortgage note terms, and buy a place. Hope this helps! Wangchung1980
Call a Mortgage Broker, after you give him all the info he can tell you if can get pre qualified for a loan and how much. He will also tell you the pros and cons of not being married and doing this. Usually you will habe to pay about $150. for him to get the credit report etc.
You should get 13k. even though the market has depreciated the condos value, as you stated it will once be back up, atleast we all hope. so i think you should be entitled your full 13k, but if you morally think, that you should have a loss, because it was an investment and it did lose value, then i would go with 10-11k
You should be looking at 200k properties. But I SUGGEST YOU ONLY purchase on what either one of you could afford to pay each month. NOT TOGETHER. This person is only a girlfriend and not more (your words).
DO NOT buy Real Estate with non-spouses. An exception would be investment property, purchased with cash.
Am Brown from Ohio USA and i want to say a very big thanks to Helen Kent for helping me get a loan and i will be forever grateful to her and i will like you all who is looking for loan to contact her via email: firstname.lastname@example.org
If you're not ready to commit to marriage, then you're not ready to commit to real estate together!
Don't do it