<prompt> Human: If this is the wrong subreddit for this, just let me know and Ill delete this and post elsewhere. This is the first time Im buying a home, so I may be a little off on names or processes. My girlfriend and I have been saving for the last 18 months to be able to buy a house. To give some background on our financials, she makes about 15k more than I do and has a considerably better credit score hers is 800, Im being told mine is 656. Credit is something that Ive been working really hard to fix for myself over the past 2 years up 130 points. She has owned a home previously, but just recently sold it to clear out some of her debt ratio and get an influx of cash for a down payment. In our house savings, were probably at 6535 contribution, with her putting in about 65 of the total. Weve found a house and started working through the mortgage and financial aspects of everything with our credit union. The skinny of it is that with both of us being on the application, theyre taking my credit score as the determining factor, since its lowest, and giving us a 4.6 interest rate on a 30 year loan. My girlfriend felt this was pretty high and inquired into what things would be if it was just her. Im not sure on what her interest rate was, but it would be about 200.00 cheaper per month on our payments. The principal loan payment would be 70.00 cheaper and the mortgage insurance would be 130.00 cheaper. We spoke to the credit union and they do not allow unobligated signers, so this would have to be completely in her name with me not on the deedmortgage. This is a smart move to put it only her name right? It saves us money in the long run and the interest rate is lower than it would be if it was in my name. My hesitation is that at this point Im no longer a home owner, my credit score wont reflect this mortgage and any tax incentive I would have had for buying a home wouldnt be available. I am reacting somewhat negatively to our current situation and Im afraid its just an emotional response and that it makes more sense fiscally to do everything in her name.  <response>: Dont buy a house with somebody youre unmarried to. If you break up it can be a mess and may prevent you from getting your own mortgage if you already have one. Its better if she does the whole thing in her name alone and youre just a tenant and pay rent. Dont worry about your almighty credit score that isnt a factor in the decision. 