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Struggling to buy a house with or without my fiancé

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My boyfriend/fiancé and I have been together for 5 years and have a child together. We just recently decided to buy a home but it’s on the higher end of our budget. Only one of us, me, has the credit to qualify for a loan. I’m taking on the loan myself and then the title (ownership) will be split equally. I’m not sure about adding him to the title because of his financial history. However, he said he would really pay for half the monthly payment but I’m not sure I should believe him. Relationship background. Early in the relationship he helped fully support me for 8 months. When I got a good job, as a thank you, I bought him gifts, a trip together, and gave him money so his car would not be repossessed. The relationship between us started off great. However, a year later I found him talking and spending time with some other girl (supposed friend), a lot and he lied to me about it. I was ready to leave the relationship. However, just as I was ready to leave, I found out I was pregnant. Four years later, the relationship is not great, we are more like roommates. He and I still have money issues (he doesn’t pay rent, bills) and we do not spend time with each other. He has also borrowed money from me, (over $500) many times and has never repaid any, as promised. However, he takes great care of our child. We adore our child more than anything and are very committed to raising him/her. We both say we are committed to remaining together, but our busy schedules make it difficult. In addition, he is an admitted manipulator. Several times, we have had a conversation that I would put a certain % down on the house and he would provide the rest. A few days later we were discussing the home, and I mentioned the deposit amounts each of us would pay. He replied to me saying I never said that, and it’s always been the other way. I was floored. Then he tries to tell me it didn’t hear it right. I've asked him to step up more with bills, he responds, well remember when I first helped you. What direction do I go in: split the title/home ownership? Not split it? Or split it after he has made 12 consecutive monthly payments?

Struggling to buy a house with or without my fiancé

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Hi I would be concerned to split the title or house ownership knowing the past. Have you considered to ask a lawyer’s opinion on this it might help ?

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