So my fiancé’s dad offered to buy us a house since finding out we were expecting. My fiancé wants to do it himself and feels it would take away his pride. Either way we would be paying for it, obviously making payments to his dad instead of a bank. But not having to put down the whole 50k we’ve set aside for a down payment, we’d be able to use it to furnish the house, do some landscaping, and prepare for the baby.
I don’t personally care how it’s done as long as we have a house of our own by the time the baby is born in March. So that aside; we’re going to an open house today to look at a 4bd/3ba house! Why is it that the most important part is the kitchen!? Lol that’s what I automatically look at first.
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Yes. You can put his name on the loan and both of your names on the house.
If it's a credit issue, my credit wasn't the hot so only my fiance is on the mortgage. I'm on the house, so it's legally mine as well, but the mortgage only took his credit into consideration. (I'm also not working so it's not like I had any income to contribute.)
If his father wants to help in that way, yes, see if he'll help with the down payment, or maybe with his help you could do an even bigger down payment and have smaller monthly payments.
I think it's wonderful but I also understand why you fiance may feel odd about that.
@futuremrsbanks, that’s wonderful then! But since you aren’t married, the house can always just be in your finances name at first and have him add you later :). That’s really great you have so much help offered!
@amysbabies, I think the reason his dad is offering is because his credit score is perfect and would be really easy to get in somewhere. My fiancé has great credit but mine is terrible! He has some really amazing parents and they definitely don’t lack in the money dept. They are so generous from what I’ve seen since we’ve been together. I think he just wants to make sure everything is good and no stress about it later on or having to rush
That’s awesome!!! I see what your husband means, a lot also has to do with how his dad is. If he wants to help, it might be better for him to give you part of the down payment or pay to landscape the yard or something. Some family is selfless, but most aren’t and some will always hold it over your head to manipulate you. That’s so exciting! Yes, I agree. To me it’s kitchen and yard. Have fun house hunting!
We went and looked at two and fell in love with it! It’s perfect for our growing family! I hope we can get it. More people showed up to the open house as we were leaving