Moral of the story - Don't play house when you're not married. Feel sorry for the guy though

This has got to be one of the dumbest things anyone could ever do. Buying a house with someone you're not married to. Huge MISTAKE!

I’ve been burned by just shared cell phone contracts I couldn’t imagine dealing w a house lol

This is why I laugh at shaking up couple who say: "We don't need a piece of paper to say we love each other. " hahahahaha....that little piece of paper is a lifeline.

He's not on the note, but paid half the down payment. $150k equity. Seriously. Dude. Now you need to hire a lawyer.

Went through this same thing. Bought a house together, owned it together after breaking up for a couple years.. Finally agreed on terms and I had to buy her out, house went from $550k to $850k in that time, so it cost me a good $150k to take it... Not a cheap lesson, but oh well.. Own it myself now and it's now $1M. $300k equity is still ok.

Bad idea to purchase a home with someone who isn't your spouse!

Shacking up was their first mistake

Dave didn't listen to the guy properly. He's not on the title. He has no claim to this property. He should let his ex make payments to him because that's the best he's going to get. He has NO legal right to the home or the money, he just "gifted" her the money for the down payment. The equity in the house doesn't matter, it's not his house. She was the smart one in this.

It baffles me that people think it’s a good idea to enter into such an enormous financial endeavor like buying a house with someone they’re not married to. That’s an imminent disaster waiting to happen.

"Y'all did it on a handshake." Right. That's what it was. A handshake. Right.

I’m working on paying off debt before purchasing a home but if my boyfriend hasn’t married me yet I’ll be buying it on my own.

I was in a similar situation where we were about to purchase a house but it ended up falling through in the end. Then we broke up a handful of months later. Dodged a big bullet.

NEVER move in to a house with a boyfriend/girlfriend without getting married, EVER. WAIT till you are MARRIED. #WISDOM.

Amazing that people will commit to purchasing a house or having kids when they cant even commit to each other! I have seen multiple people get burned in this situation and actually Dave is making it sound easier than it is. One friend of mine could not get her ex to agree to ANY of the sale offers because he wanted to keep the house. She was still on the mortgage 5 years later when she bought another house! It took 7 years for her to get her name off the mortgage. Luckily she made enough to qualify for another mortgage but nightmare does not begin to describe it.

This is a lesson for all young people. If you are not married, only contribute money as though it is a gift that you will not see again. No amount of "saved" money from shared living is worth the headache and risk. Live separately until married or at least engaged. Do not pay each other's debts or buy large assets such as houses/cars for or with a significant other. Do not let the other pressure you into something like this if you are not committed enough for marriage.

If he does get a judge to have them split the house. He should make sure it's has a certain amount of time like 120 days to sell the property. It's a tough one. Never buy anything with someone unless your willing to give it up.

I have no idea what the law is in Florida. But in many places, he'll be out of luck because he's not on title and there is no written agreement that he will be reimbursed for the down payment and/or has some interest in the home. In most places, agreements related to real property must be in writing. If he was on title, he would be able to do a partition action to claim his interest in the property. The court in Florida will very likely view his down payment as a gift. That's a hard life lesson to learn.

marriage has its advantages....

Her really wanting the house is going to cause you a whole lot of future headaches unless you be firm now and insist on selling the house. It's not fair to you so don't feel bad for putting your foot down. Besides, what happens in a few years when you go to buy another house? You will still have that debt hanging over your head and may not qualify for a loan.

Dave doesn't like living together outside of marriage

Have you ever heard of the word no?

So much Christian love in these comments sections. Such warm and empathetic people! So glad I walked away from religion and these people long ago.

Heeey, how are you doin' Dave? "...Better than you, obviously."

I wouldn't mind taking payments from an old gf but I wouldn't be in this problem to begin with.

Why would you buy a house with someone that you don't have a commitment to?

Real question is...how is the property titled/stated?

Buying this guy out? I thought this guy doesn't have his name on the house. How can someone be bought out if they don't have a house in their name? Any info is helpful

House is in her name. Good luck buddy.

I made this mistake and will never do it again.

If I understood correctly the house is only in her name? Buying a house with a girlfriend is not the problem, it's paying for a house that doesn't have his name on it. If his name was on the title then there wouldn't be a problem .

I feel bad for him too. But this is exactly why you dont play house. I bet money he doesnt really have rights bc hes not married.i wonder if he could sue her based on some common law laws in fl or the partnership dave mentions. It would have been simpler if he had married her but this new age thinking about not needing paper to prove love well this is what happens when you think this way....but this is a mess. Sadly I hope hes not scarred for life and never wants to get married for real.

I had same problem, wish i see this show long time ago.

The one who says "we don't need a piece of paper to love each other" first is the one who pays less.

House is in her name...🤷🏽‍♀️

Definitely, would not but a home with a boyfriend. I run them off!

Cohabitation always fails, and when it does, you learn why you shouldn’t cohabitate.

I warned my single girl friends about this but they got snarky and said I was old fashioned. Then one boy friend split leaving her with a mortgage she could not afford. Tell these women that women have rights if they are married but none if they are not.

Just reading a lot of comments about not buying a house before your married, I do agree but it can work for some, 10 years ago I bought a house with my boyfriend about 6 years later we got married and now have a beautiful baby also we now have no mortgage.

She will never complete those payments,wake up guy,pay attention,doesn't matter what she wants, .

I just went through a seperation not A divorce.. 20 years together built a house, raised 3 kids.. about 6 months ago we split up.. She wanted the house she had to buy my half. (I paid 100% of mortgage).. I didnt have to pay alimony, she didnt take half my pension or 401k.. Question i have.. why is being married a good thing?

Dave Ramsey is more of a couples counselor than a financial guru lol 😂

Why would you commit to a mortgage with someone if you aren't even sure that you want to be with forever? that sounds like a big commitment with someone you aren't ready to commit to

I love how everyone commenting negatively is leading such PERFECT lives as to hammer this guy for what he's done. Dating or married, it matters not. There's still legal ramifications and recourse here no matter the level of relationship.

Foreshadowing, Dave "some things are predictable"......

since you are not on the note, she can say it's her house, Robb you and owe you nothing. She can sell and take the money for herself. your not on the note

Plus, her future partner would not want to live in a house she bought with an ex.

Dave does not like people playing house, me neither.

This happened to me and luckily she signed a quitclaim deed.

That’s not a difficult problem. The solution is to sell the property or she must refinance and pay his half out if she badly want to stay in that house. Avoid making use of lawyers as it will cost you too much in the end.

Good advise to the young man.

Shack up all you want. The problem is not that they are not married but he is NOT on title! He is not on title because he had BAD credit and would not be able to get financing that is why she is the only one on title. Maybe he should have cleaned up his credit/finances BEFORE buying a house alternatively he could have married her. Marry someone because he can't get his name on a house and this would protect his interests! Yikes! Not buy a house!

What great advice!

NEVER buy a house with someone you aren't married to. How many times has Dave said that??

He has a weak legal claim. The burden is on him to prove that there was an agreement.

Did it on a handshake? I think they did it on something else. 😆

How about whoever loses in rock paper scissors. I'll even give you a best out of 3

Under current laws, entering into ANY financial deal with a women you are in a relationship with is playing Russian roulette with a loaded gun.

I agree with you there Dave.

Am I the only one who wouldn't want to live in a house I shared with an ex? Talk about too many emotions wrapped up in one space.

People thinking it’s stupid to not live together before marriage act as if are overwhelming odds your marriage will end in divorce and alimony

I'd let it go if my name wasn't on the note anyway. Why carry baggage?

If she doesn't have the money, she can't buy it. Period. What she wants doesn't matter!! Tough beans!!

Sell the house, 50/50. What's the big deal?

Sad. This is worst case scenario....

Wouldn't it be easier for them to get back together?

Dude should've known better. I hope he gets it sorted out. I've been burned in a much smaller amount, and that opened my eyes to the reality.

I hope the guy is in a better situation in other relationship.

Playing house doesnt work

My gut is, the guy has no legal right to the house.

Feel bad for this guy! Been there. Done that!

It's easy to say "make her sell the house" but she can sabotage the deal if she really doesn't want to sell. If she's still living there, she can make it difficult for the realtor to show the house and she can keep it in a less-than-pristine viewing condition to put off potential buyers.

Either she refinances and pays him in full, or they sell the house and split the proceeds. If she squawks, go to court for a petition to force the sale. Simple.

how can I call the show

It’s not so much they weren’t married but that he wasn’t on the deed of the house. It’s all in her name, he just contributed to the house without there being any contract or anything. You can buy a property with your significant other without being married but you should BOTH sign on the dotted line so as to avoid this confusion.

Agreed! His intro is annoying! lol

In the past, when people were more religious in the USA, marriage was seen as spiritual union between man and a woman. Divorces were frowned upon, and you were a pariah if you split. Not saying right or wrong, that's pretty much how it was. Now, a marriage license whether it be from a religious ceremony, or a justice of the peace, it's a financial contract. (Don't believe me, go through a divorce now) - qdro, child support, alimony, all about the money!

If only there was a way to get someone else to own the house and get money in exchange.

This is quite a no brainer: get a lawyer. Going to have to get one to get this sorted out legally since you entered into it 50/50 but with no name on the mortgage sort of did yourself a major disservice...

Renting an apartment together cool. But buying.. a breakup turns to a transaction and in the Un married phase it could happen at any moment.

That didn't sound like what he said sounds like she owns the home and is titled to her and her mortgage, and he has just been paying rent for a while...he might just be entitled to nothing

They did a little more than a handshake

she can get away with not giving him a dime. This is the price he pays not shacking up. Spouses have legal rights. Shack up idiots have no legal rights to a house if their name is not on the deed. Next time get married or do not shack up.

Is his name on the deed ? Not on the loan but does he have proof of his paying his share of the mortgage or, did he just have an expensive rent

Vincent has no good guy friends.

Why is it “weird” for her and her future husband to make payments? If he was paying her alimony, she would be okay with that.

Done move out till you sell the property together.

It’s not about what she want !!!! Thank you!

never ever buy a house unless you are married

She needs to unnderstand that if they sell they have equity and she will make a profit. With the profit she can save and get her credit in order and buy something else. It is amazing how she is making demands and has bad credit. She can't afford what she wants. Why do adults think they can have what they want when they cant buy it themselves. She is expecting her ex to give her what she wants. If she had her finances straight she might have been able to do this for hersellf. It is rediculous that people want independence but want to whine and complain and expect a someone else who has no obligation to them to pick up the slack. I'm a woman and would want a man to tell me the truth. I would be telling him the truth in a loving way. Did she listen during the relationship on how she managed her finances. I liked the advice Dave. Give her a chance to do thre righr thing without a lawyer taking a cut. Hope she takes the deal.

She played him

Can't commit to marriage but can commit to buying a house together. Perplexing.🤔

I wish I saw this way before

Why do guys still do this?

I agree with not buying a house with a gf, but wouldn't divorce fees cost more than 3,000?

She seams she wants to work something out where she stays. She likes the house.

I live with my ex-wife in the house I bought with my money and is in my name. If things go south again there is nothing to negotiate because it is my house.

He got the milk "for free"

People who are business partners buy properties together ALL the time and are not married. The mistake they made was going into the situation without thinking of it as a business. They should have had a clear idea as to what would happen if it didn't work. I feel the biggest mistake is marrying the wrong person and the way divorce statistics are in America... it seems like we've mastered that one.

"Don't buy a house with someone you are not married to..." sharing this tip with today's generation is like kryptonite to Superman...it would kill them to get into a legal contract with their partner. "Love is enough", they say. Yeah right...how's that working out for you??🤔