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Buying the house together before the wedding will only present problems if only one of you puts a name on the loan/title or you do not go through with the wedding. If you buy the property together, you are each 50% owners. If you should split up, you would each be entitled to 50% of the property. If you are not married and only one of you is listed on the home, then the home is the sole and separate property of that spouse and the other spouse may have trouble obtaining part of the home if they later divorce.
When a married couple buys a house together, they can title it as "Tenants by the Entireties
." Only married couples can take advantage of this form of home ownership. It means that a creditor of only one spouse cannot touch the property. It is possible to execute a deed after you are married transferring the deed from John Doe and Jane Doe, as joint tenants to John Doe and Jane Doe, as tenants by the entirety. The need deed would be recorded with the county and would offer the same protections as if you were married before the property were purchased.
One solution to this dilemma may be to go to the courthouse before your lease is up, have the marriage done, and then proceed with the purchase. Another option is to sign a prenuptial agreement before the home is purchased stating that the home is considered marital property and will be split equally between the two of you if you ever divorce. You could agree that one spouse would add the other to the title later, but a signed prenuptial agreement provides more protection.
If your concern is that buying the house before the wedding will eat up funds set aside for the wedding, require that you downsize the wedding, or leave you unable to pay unexpected wedding expenses, that's a little different. Those are valid concerns. In that case, you'd want to go over your finances in detail with your fiance so he understands why it's a problem. You may also want to consider whether you can find a month-to-month rental for a lower price from February until after the wedding when you're ready to buy.
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