No...even 1/2 the people that get married end up terminating the relationship. There are legal protections for both sides in a marriage that you guys are forfeiting.

and a tax break! oh wait

You asked what would be required to get a mortgage and then said you need the home equity loan to have enough for the mortgage. This whole thread sounds like you want people to agree with your plan and not give honest advice. The home equity plan is idiotic and you’re probably not familiar with how mortgages work if you think it’s beneficial. I can go into detail why but ultimately you should consult a mortgage broker whos job it is to arrange these things and works on commission so is incentivized to get a deal done.

I’d be very surprised if 20% down and 75k/year can’t secure a 200k loan... I’d be somewhat surprised if it couldn’t secure a 500k loan. Your name on the mortgage probably hurts the chances honestly but why don’t you just meet with mortgage brokers and find out what they can offer/what they need for you to purchase a house worth x$ Given a 75k/year income.

As for the deed issue you two are common law married anyways more then likely so you probably are obsessing over something that’s mute. If you’re not common law married I doubt you will ever get what you want from a judge regarding your equity even if you created a corporation bought the house in the corporation and issued stock according to the equity you want to designate... you both live there and contribute to the payments. Predetermined equity allocation is not what a judge would look at for determining ownership. As soon as one bill is paid or improvement is done to the house and you live there it is entirely at his discretion to determine ownership.

And the question remains, where is the OP 6 years later?

She can purchase it, and do a quit claim deed to add you to title.

Disregard, just saw the dates on the OP