How It Works To Buy a House With Your Unmarried Partner

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How It Works To Buy a House With Your Unmarried Partner

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Күн бұрын

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Пікірлер: 167

@JavyVidana 5 жыл бұрын

Just a heads up! You can now watch this and any future videos in full 4K. Enjoy my ugly face in ultra HD!

@mariafelipe4054 3 жыл бұрын

"Enjoy my ugly face in untra HD!" Hahahahahhaha! that was just to funny 🤣

@princekiki33 2 жыл бұрын

Now we are going to be able to see right through you lol

@MySideHustleStash 4 жыл бұрын

This is me buying my first home unmarried with no kids. I'm so excited :)

@bluesraincancun9217 3 жыл бұрын

That's great!

@rey3468 3 жыл бұрын

I hope you got your dream home. I'm in the same boat and excited to get looking.

@krownedkutie 2 жыл бұрын

Same boat…unmarried, no kids, in our 30s lol, and we should be closing on our home in just under a month!🥳🥳🥳 We’re super excited as well! Blessings to you all!

@JohnDiDough 2 жыл бұрын

How did you file your taxes regarding the home? Did one of you claim the home or...?

@ladygeejify 2 жыл бұрын

@@JohnDiDough good question! I’d like to know also

@errybodygottachurce3859 3 жыл бұрын

Married or unmarried ...make damn sure you are making a house buying commitment with someone you’d have a fair split from.

@samanthalake5011 3 жыл бұрын

I don't think there is such a thing as fair when things end with MOST ppl. That's the real dilemma. 🥴

@Jeff-wm3qn 2 жыл бұрын

No make sure you're buying a house and only you you're not buying a house or anyone else and your name is only on the freaking title indeed never buy a house with anyone never

@tamarastone141 2 жыл бұрын

@@Jeff-wm3qn i totally agree with this.

@DJHughez57 5 жыл бұрын

Y'all thought he looked good before. That ain't nothing. Ya'll ain't ready for 4k lol. Been sharing your channel 👍 Another great vid 👌

@dankdigital4058 4 жыл бұрын

Thank you so much very informative my girlfriend and I have been together for quite some time now and we are not married. Trying to buy a home seems to be very complicated we both are so tired of renting here in SW FLA. I appreciate all of your information.

@JavyVidana 4 жыл бұрын

Best of luck with that and the Crypto’s! 😁

@Heathers_ECE_Consultation 3 жыл бұрын

Thank you for having this. When we first started to think about getting a house we were told it wasn't possible unless we got married

@awesomeone465 3 жыл бұрын

If one of you a veteran for VA loan they like to tell you that. As I've watched videos, I'm learning that lady lied.

@HjartaoHav 5 жыл бұрын

Thank you very much for this video Javier! My boyfriend and I have been looking to buy within the next year or so, but had no idea how to navigate the loan process as an unmarried couple. VERY topical as always, I appreciate it!

@bennyjetsaroundtheworld9047 2 жыл бұрын

Enjoy the time with your kids while you're working take them out for a lunch break and include them anywhere u can, God gives and God takes so cherish what you have when you have it. Great video, thank you for the psa

@shawntawatson1482 5 жыл бұрын

The quality is awesome and so are you! Thank you for the videos you make and put out. I've learned so much from watching you. I'm just started my journey to becoming a first time homeowner!!

@serg_lupescu 5 жыл бұрын

Good topic man! Props to Shelby!

@LilCarol82 5 жыл бұрын

My now husband and I bought a house in December 2018 when we weren't married. We got married in February after we had already bought the house. 🤷🏻‍♀️

@JavyVidana 5 жыл бұрын

Carol D. That’s happening so much now a days Carol!! I think it’s smart.

@kevinkidneyy 4 жыл бұрын

🤷🏾‍♂️

@nicolelomax6325 4 жыл бұрын

@Lunachick1023 3 жыл бұрын

School, that's awesome!! Even better is the fact that you are supporting her and stepping up were needed. New subscriber, ty for your informative info

@WildAthletics 3 жыл бұрын

Thank you, clarified my misunderstandings of buying as a nonmarried couple

@toniariana3017 6 ай бұрын

Lol I appreciate the humor, advise, and quality. Thank you!

@christinasciblo 3 жыл бұрын

Can you do a video on how to buy a house and somehow making your name private so it’s not public??

@H4lovideo Жыл бұрын

Holy hell, how long have I been watching you and I never knew you had a video on this topic??

@NachoAE360 4 жыл бұрын

My fiancé and I close on our house today! It wasn’t a big deal at all that we aren’t yet married.

@ladygeejify 2 жыл бұрын

Me too! My fiancé and I close this week!

@jonblocker7133 2 жыл бұрын

What happens if the unmarried couple break up? Is there a way to put the spouse on but if separation occurs legally have it go to one person

@Tard51 3 жыл бұрын

Video starts 2:50

@TheCubeBrothers Жыл бұрын

What if a couple wanted to get two houses? If they got married would it be harder to get two houses then if they each got one separately while they were unmarried?

@rosalindjohnson5806 5 жыл бұрын

Aside from your videos being amazing, I appreciate the Donkey Kong outro music.

@chrisreynolds6391 4 жыл бұрын

YES!

@steven19767 3 жыл бұрын

Thanks for the info. I been looking for this topic and you break it down so easily.

@BKLNHobo 3 жыл бұрын

Things can get messy with joint tenancy. In the case where a 50% share passes to beneficiaries, the other owner either has to buy out that 50% or will have problems selling or transferring title in the future.

@decaf77 3 жыл бұрын

Great video as always Javier thank you! And yes the vid quality is spot on now.

@321erup123 2 жыл бұрын

I'm a new viewer it's crazy how much of a chad Javi became in two years

@natha320 4 жыл бұрын

You’re hilarious! Also thanks for all the help !!

@drea4195 4 ай бұрын

Basically, don't. It's a losing deal from a legal standpoint, especially in the event of a split. If I wanted a house and wasn't married to my partner, I would just buy a house. For myself. With only MY name on the title. They could live with me, but would have to formally pay a rent with a contract. If I couldn't qualify for a house on my own, then I shouldn't be buying it. Wait until you're either married and can qualify together, or you start making and saving enough to qualify on your own.

@ayidas 3 жыл бұрын

Yooooo did you just come at me with some old school Donkey Kong??? 🤣🤣❤️❤️ great advice and the music is the cherry on top 💯

@CKproductions1000 3 жыл бұрын

Nice DK Outro!

@ayidas 3 жыл бұрын

💀💀🤣

@coloradobrad6779 2 жыл бұрын

Also, if one person holds the mortgage it cannot be assumed the other if not married. They can be on the title but they will need to qualify to continue the mortgage. Solution::life insurance

@JV-bc8um 3 жыл бұрын

My brother and I bought a house joint in tenancy.

@amiewonneh7933 4 жыл бұрын

Thank you so much Me and my fiancee We did know married yet go by in the house And we have family we have 3 kids

@heatherdewolff8045 4 жыл бұрын

This was the most troubling part of my finance and I figuring out when to actually get married. I wasn't sure if it mattered when we actually did. How it would affect us in the process of buying, so thank you for this particular video.

@JavyVidana 4 жыл бұрын

It just forces you to use both debts, if you’re not then you have the choice on whose name is it going to be under. Also some states have very strict title privileges when you guys are married, so I guess it’s a pro and con to do that without being married

@thembimda7596 3 жыл бұрын

I found the video unhelpful in that it doesnt touch on the legal complications of a break up where there is no marriage contract..

@taylorbug9 2 жыл бұрын

The person financially capable of paying the bills of the house on their own should take it. If both of you can, you can probably afford to get your own house, at that point it comes down to who likes it more.

@TheMuirite 3 жыл бұрын

Love you having the kids with you. They did REALLY well for being young.

@kaitey233 5 жыл бұрын

You said “2 year work history” is one of the requirements. Does that have to be at your current job? At a professional job as opposed to a part time job while in school?

@metasploited5790 4 жыл бұрын

Late answer but my experience has been consistent work history in your profession's field. So if you've been a Security Analyst at XYZ Co. for 1 year but you have 5 years of Security Analyst work at 123 Inc before that, you're solid.

@kaitey233 4 жыл бұрын

@@metasploited5790 Since this comment, I actually ended up buying and just in case anyone else had the question, Im gonna answer it. If you went to a professional school like law school or med school, that counts towards your work history of two years.

@caball3ro 4 жыл бұрын

@@kaitey233 thanks and congrats on the purchase!

@Doors067 3 жыл бұрын

@@kaitey233 good shit kaitey I bet your sexy too (;

@slkrick3319 6 ай бұрын

My father just bought a 500k home in Cali with a girlfriend. He put 40k down and the deal is she's paying the mortgage. He said things will change once she's caught up in mortgage payments equal to his down. He says when he passes, the deal is she's supposed to pay us children (3), his half of the value of the home as inheritance. If she agreed to that now, can she later challenge that agreement and win? What should he do to make that deal iron clad? A trust or will?

@janehaley9548 5 ай бұрын

What about when that co buyer decides after mortgage is signed that they are not going to make their share of payments and then moves out but what's half the money if the other person decides to sell and move?

@mattcarrillo5228 4 жыл бұрын

Really appreciate all this info! You simplify it and explain it so well!

@mayraz7436 3 жыл бұрын

My bf and I want to purchase, Im a second time buyer he is a first time buyer. How will the fact that I already own property will affect us?

@Captaine_Crunche Ай бұрын

Married or not, I’m buying the house in only my name. I’ll carry the risk and burden of the house myself, I’ll be paying majority of the mortgage in turn, and I’ll be able to more than handle the payment alone. They can buy thier own property too, or just invest it elsewhere, but I’m not gonna take the risk like my parents did and blow up in my face

@mizzmini45 5 жыл бұрын

Everyone is saying rent don’t buy. I’m doing just that with my long term boyfriend

@asadb1990 3 жыл бұрын

i think being married isn't the key. just make sure those paying the mortgage are on the title. don't be the person in a couple who is paying half the living expenses and you have no stake in the house. but no one wants a deadbeat either. so if one of the co-owner isn't paying their share, sell the property or buy them out and kick them out as well.

@donnaking5679 6 ай бұрын

im buy a house with a friend all the money from my first house is going into a bigger house. he is pretty much a renter of a room in my house. how do this legal to safely

@ricardodavila9000 2 жыл бұрын

I bought my house last month with me, myself and I.

@jumpmeloo 3 жыл бұрын

Good information!! Me and my girlfriend are starting we are unmarried 👍🏽

@warholcow 3 жыл бұрын

Thank you so much for this video!

@WitnessRichness 5 жыл бұрын

Congratulations brother on all your success. Great Content brother. Keep inspiring King!

@karil6461 2 жыл бұрын

If you buy with a partner on the loan then you get married, will that change the conditions of the loan?

@Kyle36147 2 жыл бұрын

Would it be easier to get married before buying if we plan on filing a joint mortgage anyway? We're working on both buying a home and getting married at the moment.

@freelancershogun 5 жыл бұрын

Good topic. Thanks, Javier.

@gretchenrivera3859 3 ай бұрын

Buy house with ex we not married. Both names are on mortgage . We broke up and I moved out. .What are my rights?

@pricklypear1111 Жыл бұрын

Advice starts at 2:35

@jameldunton2775 3 жыл бұрын

Great picture quality 👌🏿

@dchin1564 Жыл бұрын

Thank you for the video. So if you take title as joint tenants before you are married and then you get married, then what exactly do you need to change for your title and deeds if before you were joint tenants and you also said usually when people are married they take the joint tenant title route?

@eatpigsnot 11 ай бұрын

am i missing something or is it prejudicial and discriminatory there are different laws and regulations for married people vs single people?

@zoeholland6192 Жыл бұрын

Unmarried couples each person has to have two years of income however if they are married can you use one persons income and other person for credit?

@Anna-pg8hw 5 жыл бұрын

Question im looking to but a house with my mom (it's basically for me) we both have good work history & a down payment of 20k. My problem is I'm still trying to build up credit while my mom has good credit. Do they average out our credits or how does this work?

@LOLZHAHANOTFUNNY 4 жыл бұрын

Hi Anna! I'm late replying to this comment. I work for one of the largest mortgage lenders in the SE United States, typically for lending purposes the underwriters take into consideration the credit of the highest earning "co-borrower" on the loan. Co-signing purposes are not the same in this case, as income requirements are different between the two scenarios. Always contact a lender to better understand what their underwriting procedures are, and never be discouraged from getting pre-qualified to better understand what you can afford!

@lindabargas665 4 жыл бұрын

Hi Anna ! I just went and had a consultation with a mortgage loan officer and me and my boyfriend are planning to buy a house within the next 2-4 months. When I had asked him that he told me that they take the lowest of the two scores and uses the mid range. I was a bit confused so he went ahead and showed me. Basically when we go to check our credit score on credit karma, FICO , or any other credit score agency it’s never the same. So if my credit karma is 650 FICO is 630 and my bank with capital one is 660 they would take my mid lower which is the credit karma since it’s between FICO and credit one scores . I hope this helped !!

@awesomeone465 3 жыл бұрын

@@lindabargas665 nope. They use the lower score. No averaging anything. Just went through it. FICO what go by. Credit karma & sesame are not what your credit really is.

@victoriabrown2966 7 ай бұрын

So do u n ur spouse both credit need to b great ro put both name on da house bcuz im not comfortable helpings him pay if my nane not on the house my credit is not good does that matter?

@toomuchtrashpodcast7412 3 жыл бұрын

I could never make the biggest purchase of my life with just a girlfriend

@antoniob9498 2 жыл бұрын

You can when you have a baby on the way😀👍

@stpierreorama 2 жыл бұрын

Right what you need is the government to bind you together. Therefore is your wife leaves you she will be rewarded with half your shit and more

@YamamotoGenryuusai 2 жыл бұрын

@@stpierreorama i laughed, but you're right.

@Jersey1971 Жыл бұрын

@stpierreorama living in sin never ends well imagine the girlfriend refuses to move out and brings her new man over to live with her in the house you both own and vice versa Awkward, don't be that person

@Lynn01816 Жыл бұрын

Smartest move 👍🏼

@godoy559 2 жыл бұрын

Thank you for this.

@pizzamcgee5469 4 жыл бұрын

This is the situation me n my partner are in...would they count money she gets from the gov for taking care of my special needs kidl as her income?

@nicksonphilippe3692 4 жыл бұрын

My Fiancee said I should the house under her name. How is it possible to buy a house under her name when we gotta use both our information to buy the house?

@Pasha350z 5 ай бұрын

Short Answer: Don’t buy a house with someone you don’t trust enough to marry.

@MrNeto318 3 жыл бұрын

Love the channel

@andredenisehamilton-jackso8693 3 жыл бұрын

Hi Javier, I live in NYC and took a payment assistant class with NACA. HOW DO You feel about them.

@whitesalt9618 3 жыл бұрын

Your kids are good, we dont care about the little clicks 👌

@raymundoguadarrama2894 3 жыл бұрын

Great videos ! 👍🏼👍🏼

@Annababe-wi9sq 4 жыл бұрын

Me an my sig other bought a house late last year together. Taxes were a little confusing but well see how it goes this year!

@ArianaLynae 3 жыл бұрын

How'd it go? If I can be so bold. I'm thinking of doing the same

@mystical_raze3646 Жыл бұрын

So how you file the home on our tax return if we're both unmarried and both are on the deed

@o.c.g.m9426 2 жыл бұрын

I think this would be better just incase it doesn't work out. She can't take the house...unless ur in a state where common marriage laws are set

@markocean2811 4 ай бұрын

What about if one person puts more of a down payment? Say one person put 200k and the other 50k. If you sell do you get your respective down payments back? Or is it 50-50?

@JavyVidana 4 ай бұрын

If it’s community prop it’s 50/50. Talk to an attorney or your title person to verify

@professionellatv_ 4 жыл бұрын

If you are together on the title but not on the loan, who is required to pay taxes on the property? And is there a way to require both pay taxes even though only one is on the loan?

@JavyVidana 4 жыл бұрын

Professionella TV if you have a loan your taxes get paid with your mortgage payment every month.

@miss_shutitdown 3 жыл бұрын

What If the unmarried couple wants to buy the house together in cash?

@Cwho9ss 2 жыл бұрын

Just my opinion, but this could possibly be one of the stupidest things that a person could do.

@MrNeto318 3 жыл бұрын

What if one is self employed and the other one has a company job ?

@warholcow 3 жыл бұрын

Can you change the 50/50 or tenets in law or are you stuck? Could you put them in your will if you wanted them and your family to get some of the house?

@MsLavelle76 5 жыл бұрын

I have a question. I am not married. But looking to purchase a home with my parents. I do have children. And currently live in a 2 family home with parents on the lower level( my family is on the upper level). Its time to move . What type of setup or financial plan we need to do. I cant find the proper word. But hope you understand what I am asking . Thanks in advance.

@teresawiggns3853 2 жыл бұрын

@MsLavelle76 That is a excellent question 🤔 Mine is similar to this

@Sabrina-ll7lc 4 жыл бұрын

I think you helped me rent a house a couple years ago .. 🤓 do you do rentals?

@nesmeraldaa 5 жыл бұрын

im buying a house now w my mom but really the house is just for me and my fiancè. Next year we will be getting married, what will happen next?

@JavyVidana 5 жыл бұрын

Ezzy N your mom is going to be severely affected if she wants to buy on her own down the road. I’m not sure how your relationships with your mom is, but if this is a 3-5 year house then I’d imagine it would be okay to go this route, and just sell it a few years from now so you and your fiancé (or spouse at that time) can buy something you like together.

@shelbyashtonlehman905 5 жыл бұрын

Very helpful Javier! I appreciate your advisement.

@mattcarrillo5228 4 жыл бұрын

Sick 4K!!!

@3rick512 4 жыл бұрын

SMH... God won't like that.

@JavyVidana 4 жыл бұрын

😂

@Baheieujlsksnen Жыл бұрын

Just get married

@georgettedavis4689 5 жыл бұрын

Good afternoon. I live in Newark New Jersey. I am having a hard time finding a realtor. I really think it because I am looking for a condo and my price range from 100.00 to 120.00. It’s seems my pockets are not deep enough for them. Please help.

@chrisreynolds6391 4 жыл бұрын

Where in New Jersey can you get a condo for $120k?

@JitterBob 3 жыл бұрын

I liked a lot of what you had to say but... you takes about the death scenario but didn’t really touch on the more likely break up or divorce event. That’s what most people, myself included, are coming to this video to find out.

@griselgarcia3677 Жыл бұрын

Me too since I have two kids to worry about .

@tijaduno3417 3 жыл бұрын

Hey Javier, I'm in the process of buying a home but my fiance can't be a co-borrower because he has a mortgage with his ex wife. He agrees to move in when the house comes through and we get married (as he can't get another mortgage). Since his name is not going to be on the mortgage, can he at any point have ownership with me in the future? If yes, what can I do to secure it for my child? I'm a single mom of one whom I desire to leave wealth for. I feel he's got his own investment in the house with his ex.

@Louisiana2Texas 3 жыл бұрын

Following; my situating is the same.

@tijaduno3417 3 жыл бұрын

@@Louisiana2Texas Really? I hope we get him or someone to answer.

@Louisiana2Texas 3 жыл бұрын

@@tijaduno3417 agree... I'm waiting...

@NikkiDavis843 3 жыл бұрын

I am not sure.I think that you have to be intentional about the marriage and him moving in,so that he does not gain access to your house.That I imagine can be drafted in a contract before living together. Also I imagine a will leaving the house for your child would be good.All in all,it's best to consult a lawyer.

@tijaduno3417 3 жыл бұрын

@@NikkiDavis843 Thank you for your time.

@kay22100 5 жыл бұрын

Question- My husband and I have different last names. Just haven't taken the time to change my name. Will lenders frown upon having different last names?

@BKLNHobo 3 жыл бұрын

Some women never take their husband's last name. It should not make a difference.

@strangeaslife 2 жыл бұрын

Doesn't matter at all

@Castro0119mc 2 жыл бұрын

Gonna buy a house with my bro Even if we have to get married

@JAKEBrakeModel94 4 жыл бұрын

Statistically not wise! Don’t do it!

@JavyVidana 4 жыл бұрын

To do what?

@cristiangutierrez9159 4 жыл бұрын

Im guessing getting married?

@JAKEBrakeModel94 4 жыл бұрын

I have just heard a lot of advice saying that it is a bad idea to live with someone before you’re married. I forget what the advice in this video is, so I apologize if that does not represent what you stated in the video, Javier. (Really enjoy the content keep it up!!)

@octaviosal6322 4 жыл бұрын

Javier Vidana I am guessing buying a house while unmarried. A house is a long term commitment. So is marriage.

@ALT-HEX 5 жыл бұрын

I m going to start looking for a house after bonus season (Spring). However, I am married, but I am the sole provider. I see you mentioned you are going to make a video where you can work around certain things. See my wife's debts are a couple of credit cards, however, her credit isn't as good as mine because she has 5 late payments on one of her cards dated back to 2017. I have 1 late payment from a student loan transfer, but my payment history is still 99%. I am concerned that her late payments from 2-3 years ago will negatively affect my chances for approval.

@JavyVidana 5 жыл бұрын

What will be the crucial factor is the actual score itself. I think a late payment from 2-3 years ago is not as bad as you think. As long as her scores are decent and she has shown she has made up for her mistakes you guys will be fine. Either way if you are going with FHA you have to account for her debts anyways.

@ALT-HEX 5 жыл бұрын

@@JavyVidana Thanks for your reply. That puts me more at ease. It's like we almost trick ourselves into not buying a home, but this whole renting thing has no end, and it is time to buy a home.

@stevenroshni1228 3 жыл бұрын

There's no legal difference then buying a house you don't have a romantic involvement with.

@CapitalDream 2 жыл бұрын

You should never buy a house with person you are not married to

@taylorbug9 2 жыл бұрын

False.

@chillinwithluis 3 жыл бұрын

3:00

@ashleymae9625 4 жыл бұрын

So what happens when you guys get married after?

@ashleymae9625 4 жыл бұрын

After you initially just get the house as Tenants in common?

@TINYTOASTKITCHEN 3 жыл бұрын

aye fallout !

@verobindi1 4 жыл бұрын

Hi Javier. Thanks for your useful videos. Me and my bf are purchasing a home. He has already a house with a loan and he has a son. I don't have kids nor loans. We qualify together. I will do the downpayment of 30%, he has no funds to invest in the downpayment. We both can contribute to the monthly expenses and fees. Ideally we would have liked to split costs and shares 50-50 but because it it not possible, in this situation, how would you recommend that we split the costs and shares? Thanks a lot for your help.

@taylorbug9 2 жыл бұрын

It's because life is getting too expensive. The last thing people have money for these days is a wedding.

@Singkhorn.S 4 жыл бұрын

Bahahaha if one of the people ran off then you’re in big trouble now to can’t sell the house.

@nathalieisneon 3 жыл бұрын

Exaxtlyyyy people want to sing a 30year expensive commitment but aren’t ready for an actual commitment? What if the girlfriend gets in a car crash now the guy owns a house with his girlfriends mom? It’s not about societal standards, but marriage actually also protects both of the spouses and their rights.