<prompt> Human: Hey guys just looking for a little advice. I have been dating my girlfriend fro around 9 months and we just moved into an apartment together. I am looking to purchase a home since we are paying 700 a month in rent right now. I can find homes in my area that are 130k to 140k where I live. I already have around 9k I can put down and will have more soon as I am putting around 500 a month away for a down payment every month. I also have program where I live that will gift me 5 of loan amount for assistance with down payment and such. They will also lock my loan into 5 interest.Now for the real question. My girlfriends credit is awful and has collections from CC debt from being unemployed. She is employed now this was around a year ago Should we buy now and if we do should I include her on the loan. Her DTI before purchasing a home is 41 Mine is around 22. Her credit score is around 590 mine is around 715. Also monthly payments from buying would be around 900 before an emergency fund for repairs.For income and expense purposes. My income is around 42k a year or around 2500 a month take home. I have around 1000 in CC debt, I currently pay 280 a month for my car but it is paid off in August with 4 good years it will run. 2010 impala with 70k miles Student loans are 297 a month but have those for another 8 years. Also the 9000 down payment would leave me without an emergency fund. Sorry for the rambling post but any advice would be appreciated.  <response>: Should we buy now Not until you have enough to have an emergency fund even after the downpayment. And ideally, a 20 downpayment.110,000 at 5 over 30 years is 600 mo, but that does not include property taxes, PMI, maintenance and repairs, or insurance. and if we do should I include her on the loan. nooope.jpgEven more nope since youve only been together 9 months, but even if youd been together 3 years the answer would be no. 