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Updated over 13 years ago on . Most recent reply

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Michael Caril
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Buying a house with my girlfriend

Michael Caril
Posted

My girlfriend and I live together and instead of renting another place I have been looking for a home to buy. I found one that we both like and I can afford on my own.

I am planning on purchasing the house myself and not charging her rent but instead asking her to pay the utilities/cable bills and some other non-mortgage related expenses.

Later on, would she have any claim to ownership of the house?

If so, can I further protect myself in any way, such as using a co-borrower or having my sister purchase the house and I pay the mortgage amount to her?

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Bill Walston
  • Real Estate Investor
  • Northeast TN, TN
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Bill Walston
  • Real Estate Investor
  • Northeast TN, TN
Replied

In most states she would not, especially if she is not on the deed or mortgage. Do not have her make any of the mortgage payments. As a further suggestion, do not pay the mortgage from a joint bank account should you have one. You should be able to document that all payments were strictly from your own funds.

To be on the safe side, you should probably run this question by your real estate attorney :D

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