<prompt> Human: Hey guys, so here is the situation.I want to purchase my first house and have money saved for a down payment. I currently live at home with my parents and girlfriend. My girlfriend would be moving in with me when I moved out. She will be my fiancée in the near future, so it is a serious relationship. She hasnt had the same opportunities I have had and is currently paying off 20K in student loans. I have no debt and therefore am able to be saving more and at a faster rate than her. When I go apply for a mortgage and they look at all my finances, is there any possible way to have them also consider my girlfriends income as well, without actually putting her name on the mortgage? we will be splitting all mortgage costs when we live together she will essentially pay me rent for 12 the mortgage costs etc but the down payment will be mine. Is there anyway to benefit from a larger loan having a 2 income household but without her essentially being entitled to the estate until we are married? If not, what other options are there? Edit: Thank you all for the advice and help! Greatly appreciated!!  <response>: I know this is personal finance, but personally I would suggest buying a house that you can afford, not what the pair of you can afford. If you cant afford the house now, you should wait until youre married and sharing finances for real. If you dont take that advice, then I would even more strongly suggest not putting her name in the mortgage anywhere whatsoever. If you still decide to buy a house right now, and shes verbally saying shes going to be paying you, for goodness sake have it drawn up as a renters agreement because if you cant afford it by yourself then youre going to be stuck renting to someone if she decides to leave. These suggestions are based on the numerous horror stories on PF and LA.Heres your options:1 Buy a house that you can finance. The mortgage payments shouldnt be over 13 of your income or something like that.2 Wait to buy a house until after youre married. Rent someplace until married and keep building your down payment. This will also give you experience with finances before being tied down with a house.3 Consider paying off her school debt with your down-payment and then both working towards a down-payment together. Ideally do this when you are married. 