Buying a house before the wedding

Not crazy, IMHO, BUT understand this, if the house is in joint name, one of you will have made a gift to the other.

If you can afford it, no need to wait. Talk with your lender though. I do know when we were in the process of buying we were told not to make any major purchases or use credit cards (even if we paid them off immediately) until after closing. Basically cash only purchases.Not sure if that will affect any of your wedding planning but something to be mindful about.

We bought before the wedding. But because of that we are having a smaller low cost wedding since we spent our money on a house lol your timeline is similar to ours- got house, and yr and a 1/2 later getting married.

Take a deep breath and let it out. Repeat. It is both wonderful and scary to be a homeowner. I agree with FutureMRs. Banks frown on that. Just be sure to keep saving for the wedding as planned so it does not cause you more stress paying for it.

Ok thanks for the advice.

It's early enough you should be fine from the move. I would only be hesitant if your budget is tight.

One of my friends did this. They bought a house 5 months before the wedding, but they were advised to marry first to make it a smoother process, so they ended up getting legally married before the wedding. They didn't tell anyone (except me) because they didn't want anyone to be less excited for the wedding, but I think everyone would've been excited just the same.

We are doing this. We start the process in November and hopefully will be in our place by May. I am in Canada so the process is a little different. As long as you have the funds to do both then sure. Just keep in mind that like a wedding, buying a house has a lot of unexpected costs. I would ensure you have enough wiggle room to allow a $5-10k variance depending on your area

You could always have the ceremony and reception in your new backyard to save money.

Not crazy at all!! We are getting married October 2018 and we are going to be doing the same thing!

My FH and I went through this process. It was definitely stressful, but it can be done. FH was super supportive and really took care of things throughout the whole house-buying process so I could focus on the wedding planning and work and everything.

August 2018 is still a ways away, so you should have plenty of time to adjust your finances and save for the wedding. FH and I just bought a house and we are getting married in September. While it can be stressful, try to think of how exciting of a time this is. Congratulations!

This is a personal decision. Our closing day is six weeks before the wedding. We've been looking for about 5 months.

If you have the money, then sure. If you don't, then I'd wait to put a healthy down payment.

It is stressful to be moving so close to the wedding and I'm an incredibly organized person. Ultimately tho, we wanted a house and we were financially ready for it so when we found the house we wanted, the timing was what it was.

I'm not sure what Karen meant - with a conventional loan you can have joint ownership without being married. If one is contributing more, you could have your lawyer draft something up if that was a concern.

Also, as long as you have the money your lending broker won't care if you are making wedding purchases at the same time. We were and that was money we weren't touching for the house so they didn't care. They will care if you make a purchase and then you don't have money for a down payment.

We are building and taking ownership in 3 weeks.

I'd wait until you are married. Go read the 4 or 5 forums in the last 6 weeks about grooms who have bailed on the wedding or were caught cheating. If you had purchased at home, you'd have more of a mess to deal with than just trying to get money back from vendors. I am sure I will be slammed for this opinion, but it's better to be safe than sorry.

We bought our house July 2016, wedding September 2017. Not crazy.

Thanks for asking this! We are considering the same thing and I'm wondering about it being overwhelming. The responses are so helpful!

This is just my account of how FH and I have done this. I am purchasing my first home tomorrow (closing was a nightmare be prepared for crazy things to happen lol.)

I am a full time nurse and I am purchasing the home in my name alone as FH is still in school and has debt while I am debt free. This also protects me in case anything crazy happens before the wedding that could cause there to not be a wedding (knock on wood haha).

That being said, the home I am purchasing I can afford the mortgage payment on my own, which is why I chose that price point. Mostly I made the decision of only putting the house in my name due to loan practicality, but it's never a bad thing to stand on the side of caution before splitting such a large asset and loan with another person.

We are doing that same thing right now. But I'm such a planner and like to be ahead of the game there is no stress here. When I started I thought it was but sit down make a game plan and breathe. It will work out

Welcome to the club, we're in the process of wedding (20 days away!) and building a house. We're all insane lol