what is my recourse?

What is the name of your state? Maryland
I have a unique situation that I need advice on. Esssentially, I bought a house with my boyfriend four years ago. We had to go through a "D" credit lender, because I had gone through a divorce, and had a number of credit problems. The loan officer had problems getting my boyfriend's income verified, and I qualified for the loan by myself, so that is the route we went. I made it very clear at that point that if my boyfriend wasn't on the loan, I did not want him to be on the deed of the house either. It took almost five months and 20,000 dollars to get this loan approved on a 77,000 house, but I did it, and with not one cent from my b/f. Finally, it was time to settle. We went to the settlement table three separate times, only to thave to come back because of some sort of paperwork snafu (I.E. the loan officer forgot to bring the check, etc.) Meanwhile, we are staying with relatives (with two kids in tow) that no longer want us in their house, but we had no place else to go. I was told that if there was a problem with the fourth settlement, our bags would be packed and we would be on our own. Finally, the fourth settlement seeems to be going fine. I am signing, signing, signing.....at the very end of the paperwork, there is the DEED, with my boyfriend's name on it! I told the settlement officer that this was unacceptable, and that it his name would have to be crossed out, and then initialed by all parties involved. She said that this was impossible, that they entire document had to be rewritten, which would result in yet another delay. I was between a nail and a sharp object, at this point. I held my breath, signed, and prayed for the best. Well, a month and a half after we moved into the house, the b/f quit his job, and stayed at home for over a year. In fact, the total of what he has earned in the last four years is less than 25K. Meanwhile, I work TWO jobs to come up with 45K a year,to mke ends meet. I get next to nothing in child support, but that is a topic for another forum. I have had it with this deadbeat and desperately want him out of my life, but he constantly tells me he's not going anywhere, because it's his house too. Yeah, his house because of a CLERICAL ERROR. I literally pay every single bill in the house, and he has done nothing that could be construed as improving the property in any way. I feel that I am a good candidate for a "partition suit", from what I've read on here, but if that is the route I take, does the house HAVE to be sold? The kids and I don't want to move, I still have some credit problems which would make it difficult to get another mortgage, and suitable rentals in this area are scarce. If the house does have to be sold in a partition suit, is there another avenue open to me? I can't believe there isn't some law that would help me not to have to support this deadbeat that I am not even married to for the rest of his life. Help, please?

[HomeGuru]

[quote]Originally posted by bluesgal57
[b]What is the name of your state? Maryland
I have a unique situation that I need advice on. Esssentially, I bought a house with my boyfriend four years ago. We had to go through a "D" credit lender, because I had gone through a divorce, and had a number of credit problems. The loan officer had problems getting my boyfriend's income verified, and I qualified for the loan by myself, so that is the route we went. I made it very clear at that point that if my boyfriend wasn't on the loan, I did not want him to be on the deed of the house either. It took almost five months and 20,000 dollars to get this loan approved on a 77,000 house, but I did it, and with not one cent from my b/f. Finally, it was time to settle. We went to the settlement table three separate times, only to thave to come back because of some sort of paperwork snafu (I.E. the loan officer forgot to bring the check, etc.) Meanwhile, we are staying with relatives (with two kids in tow) that no longer want us in their house, but we had no place else to go. I was told that if there was a problem with the fourth settlement, our bags would be packed and we would be on our own. Finally, the fourth settlement seeems to be going fine. I am signing, signing, signing.....at the very end of the paperwork, there is the DEED, with my boyfriend's name on it! I told the settlement officer that this was unacceptable, and that it his name would have to be crossed out, and then initialed by all parties involved. She said that this was impossible, that they entire document had to be rewritten, which would result in yet another delay. I was between a nail and a sharp object, at this point. I held my breath, signed, and prayed for the best. Well, a month and a half after we moved into the house, the b/f quit his job, and stayed at home for over a year. In fact, the total of what he has earned in the last four years is less than 25K. Meanwhile, I work TWO jobs to come up with 45K a year,to mke ends meet. I get next to nothing in child support, but that is a topic for another forum. I have had it with this deadbeat and desperately want him out of my life, but he constantly tells me he's not going anywhere, because it's his house too. Yeah, his house because of a CLERICAL ERROR. I literally pay every single bill in the house, and he has done nothing that could be construed as improving the property in any way. I feel that I am a good candidate for a "partition suit", from what I've read on here, but if that is the route I take, does the house HAVE to be sold? The kids and I don't want to move, I still have some credit problems which would make it difficult to get another mortgage, and suitable rentals in this area are scarce. If the house does have to be sold in a partition suit, is there another avenue open to me? I can't believe there isn't some law that would help me not to have to support this deadbeat that I am not even married to for the rest of his life. Help, please?

**A: I'll get back to you later when I have more time to read.