Is it simple to get joint mortgage while engaged or better rates if wait until married?My fiance and I are getting married in September but are hoping to purchase a home in the Houston area prior to our big day. I've heard mixed advice regarding buying a home with someone before we are legally united. I'm not looking for words of wisdom but sound financial advice on how a legally married status can impact rates and our ability to get a loan. Here are our stats:Home purchase range: $140-$180kDownpayment funds: $25kCombined income: $160k ($80k/each)Monthly Debt: $1500 (mostly student loans)My credit rate: 686Fiance's credit rate 659April 01 2013 - Richmond00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.