<prompt> Human: My girlfriend and I will be engaged in the next 2-3 months, and likely married in the next year. It just so happens were in the process of buying a house, where were both covering half the cost of down payment, closing, inspection, etc. but only I am borrowing. What are the risks of having her on the title if she is not a borrower? If something were to happen highly doubtful and I had to refinance, is it difficult to get her off the title if she is not a borrower?  <response>: she gets half the house, while youre responsible for all the payments. 