Owning House in US before Marriage

[ert1569 0]

Hello,

 

I’m from the U.K. and my partner is a US citizen. Our plan was to marry and then buy a house once my spousal visa was in place. However covid has prevented us from getting married and my partner has now found a house we would like to buy. The plan is the mortgage will be in my partners name but the title will be in both our names (50/50 ownership). I will pay my share to my partner while I continue to work in the UK. Once we get married will this have any implications on the spousal visa process or cause any issues when I visit the US, once borders open again?

 

Many thanks.

[Mike E 11,739]

Co-owning a home with your spouse will make it

 

* easier to get a spousal visa.  
 

* harder to visit under a visa waiver 

[payxibka 10,045]

13 hours ago, ert1569 said:

Hello,

 

I’m from the U.K. and my partner is a US citizen. Our plan was to marry and then buy a house once my spousal visa was in place. However covid has prevented us from getting married and my partner has now found a house we would like to buy. The plan is the mortgage will be in my partners name but the title will be in both our names (50/50 ownership). I will pay my share to my partner while I continue to work in the UK. Once we get married will this have any implications on the spousal visa process or cause any issues when I visit the US, once borders open again?

 

Many thanks.

Many places the mortgage document holder must match the deed ownership.   You need to verify if your plan is even doable from a legal perspective 

Edited June 15, 2021 by payxibka

[ert1569 0]

1 minute ago, payxibka said:

Many places the mortgage document holder must match the deed ownership.   You need to verify if your plan is even doable from a legal perspective 

Thanks for your replies,  the mortgage provider has confirmed they are happy for my name to be on the the title and not the mortgage.

[Ontarkie 14,226]

59 minutes ago, ert1569 said:

Thanks for your replies,  the mortgage provider has confirmed they are happy for my name to be on the the title and not the mortgage.

Now check with the title company. 

[ert1569 0]

It’s seems it might be quite difficult to be added to the title at this stage. Do you think there would be any issue with me sending money to my partner to help with the down payment and mortgage payments and then be added to the title later when we are married? Is sending large sums of money (~$20000) seen as a negative? We would be splitting everything 50/50.

 

many thanks for your help.

[Lil bear 4,218]

19 minutes ago, ert1569 said:

It’s seems it might be quite difficult to be added to the title at this stage. Do you think there would be any issue with me sending money to my partner to help with the down payment and mortgage payments and then be added to the title later when we are married? Is sending large sums of money (~$20000) seen as a negative? We would be splitting everything 50/50.

 

many thanks for your help.

Contributing $$ is not an issue. Transfer bank to bank is easiest. Keep a signed note of what it’s for .. signed by both of you .. and consider the consequences of if you and your partner end up not together in the US. “That won’t happen” I hear you say .. but even the best laid plans can go sideways .. best to be upfront and on the same page and in agreement with what will happen in all the “ifs” situations. A simply written legal agreement that reflects what you agree to do once you marry ( add you to the title ) or if you separate (.. he repays you ??? ) would be how I would proceed..  IMO

[USC4SPOUSE 506]

1 hour ago, ert1569 said:

It’s seems it might be quite difficult to be added to the title at this stage. Do you think there would be any issue with me sending money to my partner to help with the down payment and mortgage payments and then be added to the title later when we are married? Is sending large sums of money (~$20000) seen as a negative? We would be splitting everything 50/50.

 

many thanks for your help.

@ert1569, with all due respect - I hope that you weigh all your options and carefully consider the advice both solicited and unsolicited that people are giving you here. 

I would personally take one step at a time and focus on the spousal visa first. You are in for a long wait. Everything is taking longer these days with COVID.