<prompt> Human: My girlfriend and I are currently looking for houses. We are on the cusp of getting married. I have the down payment saved roughly 100k, but she has much better credit than I do. Id like to get the house in her name, so that we get a better mortgage rate, but how can I go about giving her the 100k? Wouldnt it be taxed? Would it be better if we got married first? I dont really know how credit is affected when two people marry.In short, what is the best way to go about getting a great rate on a mortgage without sacrificing too much of my 100k to taxesetc.?EDIT - wow the quality of this subreddit really fluctuates. I appreciate all the dont do it, shell cheat on you! comments from the emotionally stunted section, but my gf and I have been together for over 5 years and will be getting married. This was simply a question of which should come first. Im not seeking relationship advice though many in the comments section probably should; this is merely a personal finance question. Thanks to those who mentioned the lower income stream if we do it before getting married.Some clarifications: I dont have bad credit, her credit is just better than mine. Im not trying to scam a bank, Im interested in how credit checks for mortgages are done with married couples. Ive saved so much over the years because Ive been living at her place - I dont think Im being played.  <response>: Id like to get the house in her name, so that we get a better mortgage rateNo. Get married first, then buy a house in both your names. Why give yourself no insurance against financial ruin? 