<prompt> Human: My boyfriend and I are planning to buy our first house together. We are not legally married but plan to do soon by next year. He earns around 100k a year and I around 80k. We were initially planning to get a home mortgage together. While my credit score is in 790s, his credit score is in 690s. I do not have any prior loan history paid for my car in full while he has a car loan. Would it be a good idea to take the mortgage in my name alone? How much would the interest rate change if we took the mortgage together. I am planning to talk to a financial adviser soon but love some tops from redditors before I do that. Thank you :  <response>: Obligatory you shouldnt purchase a home with your partner if you are not married. I was in contract with my girlfriend to buy a home and me and my gf broke up in the middle of it, luckily the seller stopped the purchase due to unrelated reasons and we got out easy. If you do agree to purchase a home with your BF I would seriously consider a fallout plan or keeping it under only one persons name and buying a home that is affordable for that person on their own. I understand the reasoning for wanting to purchase a home when not married, but the risks seriously outweigh the benefits here.That aside - It wouldnt be a terrible idea to have both people on the mortgage application it would only increase the likelihood of being approved for a mortgage with a better rate as the income almost doubles. You didnt leave and information regarding the size of the car loan so Im thinking it shouldnt be that much of an impact given the incomes for both of you. 