<prompt> Human: Hello everyone, recently I purchased my first home for 400k at a rate of 4.125 30 year loan. My girlfriend and I live together at said home. She has one of her own aswell. My mortgage is 2.5k a month. Plus 170 for hoa. We have thought about selling both homes to get our own place with a lower mortgage. Some family members have advise against both our names on the title. What do you think? I forgot to mention i take home 4k a month and get 600 for rent. There is about 100k equity in hers. 60k in mine. Putting 100 down would drop payments on a 400-450k house to 2.1-2.2k.  <response>: Too much house for your income...either way. 