<prompt> Human: SO 37M I 39F have been together nearly 6yrs. Talk of buying a house has been going on for years this year seems to be it, due to unexpected funds. My credit is very good, his nonexistent so the mortgage would be under my name. The property would be under both our names. Initially the plan was to get married this summer County Court, now hes suggesting waiting until next year so he can do a proper proposal maybe have a better ceremony, yet still proceed with getting a house this year. Our future lender isnt as communicative as he was a few months ago, so I turn to Reddit: What are the pros cons for an unwed couple to buying a house with both our names on the deed, but just my name on the mortgage? If we get married, would it still be possible to have just my name on the mortgage and deed? Once were married can we even get a loan with his nonexistent credit? Will getting married to someone with lownonexistent credit score affect my credit score? Edited 619: Thanks to everyone for providing insight! General consensus seems to be: to get married before buying house or have mortgage property under my name only until we marry. We have decided to continue as planned: get married in County Court next month buy house in Winter with mortgage property in my name, add his name later.  <response>: All kinds of red flags for me. I would never take sole responsibility for a loan You being the only one on the mortgage while allowing another party to be on the deed His name on the property with yours Also, why is he putting it off another year for the promise of a better ceremony? He should put that money towards repairing his credit and get married at the court house like you originally planned.Just my two cents. 