projectworkout
Junior Member
What is the name of your state (only U.S. law)? CO
Ok, I had posted something on tax thread but it brought up some questions I think would be better answered here. Sorry, long story...
I was in a same sex relationship for 13 years (unable to marry, due to laws then). We owned our first home together and had BOTH names on that home for 8 years. In 2010, we wanted to buy a new house together. It was determined that my name would stay on the old house, and she would qualify (with her dad) for the new house. That way we could carry both mortgages until the first house sold, then we would quick claim me on. I am on Social security disability (SSDI), and could only be on one house at a time anyway. The first house sold, and we forgot/didnt get around to the quick claim. We broke up in early 2013 (3 years together in new house), and I wanted to keep the house. She agreed to sell it to me. Problem was qualifying on just my income. So I lived and paid the entire mortgage (she moved to another city). She was fine with me staying there, just wanted me to buy it from her as soon as I could.
I met and got married legally to my next partner, we had to go to another state to marry, as it still was not legal in CO. My new spouse I had met online and she was from Switzerland, not legal. We ended up getting married in NM where it was legal for same sex. Once she finally got her soc sec number, we bought the house I had now been in for 4 years from my ex. in May 2014. Turns out this person was using me to get into the US and right after we had our interview for citizenship, she broke up with me and moved out. SO she is still on my mortgage, as I dont make enough to assume the loan or qualify by myself. I have been paying the entire mortgage and taxes on the home, but she is still on there for now. We are also still married even though she moved out July 2014.
She still is not a legal citizen, and wont be for another two years. I was going to stay married to her until it all went through. Problem is, I really dont want her to be trying to force me out of my house. I had a decent amount of equity in there and paid my ex 10K + all the closing cost of both the buyer & seller, so my ex would not pay any costs at closing. So I paid 12K + 10K of that, my new spouse paid nothing. I am afraid if I drag her into divorce court, she will try to force me to sell and I will not be able to qualify for about another year (son in law will help me when his military disability goes through). So if the divorce forces me to sell, I will be heartbroken, as I have been in this house almost 6 years now, have a lot of memories and my SSDI condition is agoraphobia, so it would cause a LOT of anxiety for me to move. So I really dont know what to do....I hate to keep her on longer because I know she will be getting more $$$ but if I piss her off and try to divorce her, I know she will try to force me out.
She only lived in the house for 8 months, and didnt pay anything. While I have lived here and paid for 6 years, have some equity, and have paid my ex out.
My question is should I go ahead and divorce her asap, or wait until I can qualify with another borrower (about a year)??? She did say she wants her name off, so I am sure she will "sell" it to me later.
Also dont know if the first step should be real estate, immigration or divorce attorney!
Thanks!
Ok, I had posted something on tax thread but it brought up some questions I think would be better answered here. Sorry, long story...
I was in a same sex relationship for 13 years (unable to marry, due to laws then). We owned our first home together and had BOTH names on that home for 8 years. In 2010, we wanted to buy a new house together. It was determined that my name would stay on the old house, and she would qualify (with her dad) for the new house. That way we could carry both mortgages until the first house sold, then we would quick claim me on. I am on Social security disability (SSDI), and could only be on one house at a time anyway. The first house sold, and we forgot/didnt get around to the quick claim. We broke up in early 2013 (3 years together in new house), and I wanted to keep the house. She agreed to sell it to me. Problem was qualifying on just my income. So I lived and paid the entire mortgage (she moved to another city). She was fine with me staying there, just wanted me to buy it from her as soon as I could.
I met and got married legally to my next partner, we had to go to another state to marry, as it still was not legal in CO. My new spouse I had met online and she was from Switzerland, not legal. We ended up getting married in NM where it was legal for same sex. Once she finally got her soc sec number, we bought the house I had now been in for 4 years from my ex. in May 2014. Turns out this person was using me to get into the US and right after we had our interview for citizenship, she broke up with me and moved out. SO she is still on my mortgage, as I dont make enough to assume the loan or qualify by myself. I have been paying the entire mortgage and taxes on the home, but she is still on there for now. We are also still married even though she moved out July 2014.
She still is not a legal citizen, and wont be for another two years. I was going to stay married to her until it all went through. Problem is, I really dont want her to be trying to force me out of my house. I had a decent amount of equity in there and paid my ex 10K + all the closing cost of both the buyer & seller, so my ex would not pay any costs at closing. So I paid 12K + 10K of that, my new spouse paid nothing. I am afraid if I drag her into divorce court, she will try to force me to sell and I will not be able to qualify for about another year (son in law will help me when his military disability goes through). So if the divorce forces me to sell, I will be heartbroken, as I have been in this house almost 6 years now, have a lot of memories and my SSDI condition is agoraphobia, so it would cause a LOT of anxiety for me to move. So I really dont know what to do....I hate to keep her on longer because I know she will be getting more $$$ but if I piss her off and try to divorce her, I know she will try to force me out.
She only lived in the house for 8 months, and didnt pay anything. While I have lived here and paid for 6 years, have some equity, and have paid my ex out.
My question is should I go ahead and divorce her asap, or wait until I can qualify with another borrower (about a year)??? She did say she wants her name off, so I am sure she will "sell" it to me later.
Also dont know if the first step should be real estate, immigration or divorce attorney!
Thanks!
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