 TITLE: How to Buy a House Together—Even If You’re Not Married CONTENT: Going Solo on the Mortgage\n--------------------------\nIf one of you has much higher credit scores or a much lower debt-to-income ratio, that person might want to consider applying for the mortgage on their own. You can usually ask your lender to look at what rates and loans you would qualify for individually and together.\nIf you're not sure how long the relationship will last, going solo can also keep things simple in the event of a breakup. (Of course, if you live in a high-cost area, it might not be possible to qualify for the mortgage on one income.)\nIf you do end up applying for the mortgage on your own, remember that the entire burden of paying the debt will legally be on your shoulders—no matter what your co-borrower promises. And, if their name is on the title, they will have rights to the home even if they're not contributing financially.\nOn the flip side, if it's your partner who is applying for the mortgage on their own, and they want to keep you off the title, you should speak to a real estate lawyer to outline your rights regarding living in the home and getting reimbursed for payments should the relationship end. END