<prompt> Human: My SO and I are both 28, have a combined income of around 15k annual. Though we live in one of the most expensive housing markets in the country DC, my SO is really pushing to buy a home in one of the few areas in the city in which we can find a place around 350K. My credit is pretty terrible due to an old delinquency on a student loan but she has 700 credit and savings. I personally do not want to look into buying until Ive increased my credit score and savings but she seems adamant about buying within the next year. Should she just go in on the mortage on her own? Or would it hurt to wait a few years?  <response>: Do not buy a huge asset with someone you arent married to without a lawyer. This is a business transaction, and it needs clear financials and terms.Houses will still be there in a few years. We have no idea what you can afford because you didnt post the relevant budget or your savings.If she wants to buy a house and you will get the benefit, that sounds like a pretty good deal to me. 