Should I or shouldn't I have my husband's name on our house title?

We are planning on buying a home on my credit, (he has recent bankruptcy and unpaid fed taxes and student loans). So will I be in jeopardy of losing the house if a creditor comes after him/us for their money, and possibly take our home??

Our situations are similar in the sense that my credit is better than my husbands. However he is in the process of raising his score. He paid off all balances on credit cards and is working toward coming out of default.

Since our debt is now under control, we are looking for a home. The loan will go in my name since I have the better score.

As long as your finances are right, you can make it work, but I agree with the others...don't put yourself deeper in the hole with a major purchase that y'all aren't ready for.

Marriage is hard work, so help him settle his debt and then you guys can look. You still may have to use your name only for the loan and you can easily have his name added to the deed!

Good luck!

That's a good question. In terms of the creditor aspect, I think they can put a lien on the house if his name is on the deed.

Since you are buying the house on your credit, put it in your name. That way, his bad credit won't affect yours or your application. Not to mention any bad possibilities, but if the marriage falls apart, you will still have a place to live and he will have no claim on it.

Good luck.

Leave him off. It will ruin your credit. Help him correct his credit in them mean time. Being Honest!

Instead of buying a house - why aren't you paying off his debts? You buy a house when you can afford to buy a house. You can't afford a house - you have debts to pay off first. When I say "you" I mean both of you. Once you are married you are both responsible for your financial stability (or lack thereof). Once you (both of you) are on stable financial ground, then and only then do you buy a house.

Mostly like you won't even get to buy it once they pull his credit.

You may want to consult a tax attorney on this - depends on the state (community property or not), etc.

Your married, his debt is your debt....Pay it off before you put yourselves deeper in the hole. Do you want to be another family having their house taken away because they can't pay?

And if the marriage does go south...Sorry it's his house too. Property acquired during the marriage is subject to equitable distribution.