Why did this have to happen?

**stayinstacked** · 04-26-2006, 12:00 PM

Well, its stress city over here. To make a long story short, I'm in the process of buying a house right now, and I'm also getting married in 3 weeks. My fiances credit sucks, she had to file bankruptcy 2 years ago, so I'm just getting the home loan in my name alone. Now the shitty part about all of this is the closing on the home is scheduled for May 30th, and the wedding is May 13th. As soon as we're married we become forced to show everything as household income, therefore I wont get a good interest rate like I am getting right now. With a combined household, our interest rate would be through the roof and there is no way we could afford the house. So ideally I'd want to have the wedding May 13th, but not sign the wedding license until after the closing on the house, but I know many preachers may find this unethical and have beef over it. I already have people coming in on flights and hotel resevations, I've already paid for the wedding, this ****ing sucks. Damnit I wish I could find a way around all of it. The lender keeps telling me,"look, I dont know nothing, but if the state housing authority eventually investigates this then it's your ass legally" So I'm really between a rock and a hard place right now. Do I take the chance and go ahead and just do it? do I try to talk to somebody and explain that we cant have the wedding papers signed until after the closing? I spoke to my dad about it all, and he seems to think that the only way anybody will investigate anything is if we default on the mortgage.

**crash187ct** · 04-26-2006, 12:33 PM

i don't know much of loans and housing situations, but i'll pray for ya, and it will be over soon....good luck man.

**stayinstacked** · 04-26-2006, 12:41 PM

well, I just got off the phone with the place doing our wedding, the lady told me that they've actually had similar situations before, and that signing the papers a few weeks later wouldnt be a problem. Big load off my back!!! Thanks

**steve0** · 04-26-2006, 12:49 PM

sign after no big deal my cousin just did a few weeks ago.

**squatdaddy** · 04-26-2006, 12:55 PM

only problem is then your future wife will not be on the deed... if anything happens to you it could get legally real sticky for her to take ownership of the house...

**GQ-Bouncer** · 04-26-2006, 12:59 PM

it's fine,

start growing marijuana in your basement - this'll cover the mortgage

**oldman** · 04-26-2006, 12:59 PM

Originally Posted by squatdaddy

only problem is then your future wife will not be on the deed... if anything happens to you it could get legally real sticky for her to take ownership of the house...

Yeah but in most cases you can do a quick claim deed and add her to the papers but not add her to the mortgage.. That is what we did.. I am self employed and my wife bought our house in Her name and credit only and then after the closing all we had to do was a quick claim deed and about $50

~Old

**GreenLantern12** · 04-26-2006, 04:22 PM

Originally Posted by oldman

Yeah but in most cases you can do a quick claim deed and add her to the papers but not add her to the mortgage.. That is what we did.. I am self employed and my wife bought our house in Her name and credit only and then after the closing all we had to do was a quick claim deed and about $50

~Old

Bingo

Besides WTF dude!?! your getting a house and getting your girl!! This is a happy time quit bitching!

**lucabratzi** · 04-26-2006, 04:28 PM

Originally Posted by stayinstacked

well, I just got off the phone with the place doing our wedding, the lady told me that they've actually had similar situations before, and that signing the papers a few weeks later wouldnt be a problem. Big load off my back!!! Thanks

nice...now enjoy the bachelor party and wedding...congrats by the way...