I just joined and wanted to know if anyone could help with the following:
I have been seperated for a year and want to stop paying RENT. I was thinking about buying my first home, but have not made the FINAL decision of DIVORCE. I live in Texas we have no mutual debt, no kids, and basically had a clean split.
Get your personal life straightened out first before getting into buying a house. You are just asking for trouble if you get anything else mixed up in your life.
I speak from being divorced 2 times and married 3 times.
Want to buy a home -- he goes on the loan or you get divorced first. Take your pick!
Many times husbands have come into the closing to sign so their to be x wife can start a new life because they are still the best of friends.. and the divorce didn't happen before closing. OR purchase the home in the new boyfriends' name if there is one, then go on the deed later.
However, the best thing to do is to get your ducks in a row... then go buy in your own name.
I would hold off personally. Decide whether or not you want a divorce..if you do, fine-go buy a house in your own name....if you don't want a divorce would you live together and have both your names on the place? I def. wouldn't do that. A new home causes stress, esp. when stuff starts breaking and you are the ones fixing it. I don't think that is the way to restart or rekindle your relationship with your x. I could be wrong. what the heck do i know, never divorced ...but that is just my opinion. Seriously though, I wish you the best of luck to you.
From personal experience. My divorce was pending but my lender would not finalize anything until the divorce was final. That was fine with me because I didn't want anybody's name on the deed but mine. If you buy the house while you're still married, you may have to buy him out of his "share" of the house!
He is still your husband, no matter how amicable your separation is, beware, if he decides to run up a ton of bills you may be liable, If you are not contemplating divorce get a legal separation at least this may help you, If he gest sick you may be liable for his run up health costs. It is not wise not to complete what you have started.
Texas is a community property state which means your soon-to-be ex can make a case for the house being half his if the sale takes place before the divorce.
~~~~ Blessed be the peacemakers. =^^=
Posts: 89 | Location: East Texas | Registered: Dec 10, 2006
