Lucas

I'm Ken Coleman.

George Campbell is alongside.

The phone number is 888-825-5225.

Allison is up in Philadelphia, Pennsylvania.

Allison, how can we help?

This is an awful idea.

Did you feel like it was an awful idea when you called, or did you think it was a great idea and you're just being nice to my really dour response?

Yeah.

Yeah.

Those are all legit questions.

Do you see how convoluted it is?

Can I give you an alternate vision?

i do that house yeah i'm i'm all ears i'm willing yeah here's the alternate vision you and your boyfriend uh don't live together until you get married and when you get married you join finances and maybe you attack a lot of that debt before you ever put a ring on it and you get debt free and you guys rent

for two years or whatever it's gonna take, three years to get a good down payment.

George will walk you through that formula of what we recommend, but we just take our time and we're not thinking things like, oh, what a waste of time, us actually being married and not owning a home and just have this alternate vision for, hey, we can take our time

and and move into this and not be saddled with you know a really weird uh clunky arrangement and george explain uh our formula on all this well what you're looking for is 25 of your take-home pay going toward the mortgage and that's with two married people

What does he say to that?

Yeah, you're right.

I'm not going to get into my traditional views of all this, but you certainly should not sign a mortgage when you are not legally married to him.

Don't compromise.