<prompt> Human: I live in TNGirlfriend 8years and I want to have a house built.House Costs 266,800Combined Gross income 104,000Putting 3.5 Down-payment Have extremely stable jobs nurse and engineer at great places, need to move out in the next six months. we are ready to take the next step but we do not have a huge amount to put on a down-payment. We do have 10k in savings that we want to keep untouched for emergency so the down-payment will definitely stay at 3.5What kind of APR am I likely to get. What would be a good offer. What would be a definite no. I am 25 and she is 24Edit: her credit score is 709 and mine is 652Assistant: Besides the usual: its not enough of a down payment and never buy a house with your girlfriend...What does your credit look like? What other debt do you owe? You are going to want to stay around 4 or 4.25 on the interest rate. Human: Girlfriend might as well be wife. We just kinda never got around to it. If 8 years is not enough time to know then I must be missing something lol. Her credit is 709 and mine is 652  <response>: never buy a house with your girlfriendIf she might as well be your wife then go down to the JP and get married. Otherwise, its a horrible idea to build or buy a home with someone you are not married to under any circumstance. 