Hello,
I have a question: I am building a new home in Texas where my fiancé and I plan on living (and we plan on getting married in about a year).

Since my credit and my salary is better than hers, I am the only one on the mortgage, but now the question is what names to put on the deed. In terms of payment, unofficially I will be paying the mortgage (principal + interest) every month and she will be paying the homeowner's insurance/flood insurance/taxes portion of it (which is severall hundred dollars less than my part). Also the downpayment + closing costs is all coming from me.

We were not sure if there are any benefits either way in terms of one name vs. two names, in terms of credit for future purchases, taxes etc...

Thanks
Lucanaut

I wouldn't put her name on anything until you're married for obvious reasons.

HANK :D

Hi,
After you are married, both you and your wife's name should be on your deed to your house and property.
If one of you should die after marriage, the State can take over your property, settle your estate, and decide what to do with it.
If both your names are not on the deed after marriage, BE SURE both of you have valid Last Will and Testaments, naming the other as the beneficiary of your property.
In that way, there is no question as to who inherits the property.
It is really better to have both names on the Deed; listed as "John and/or Mary or right of survivorship."
Best wishes,
fredg

Put your personal and real estate assets in JOINT TENANCY. This is all that's needed if you don't have wills. No probate is needed as well.

HANK :)

Her name should be on the deed from the beginning your building a future together. Plus my gosh she is paying the tax and insurance it is not about how much each pays. It is about the fact that this is both of yours together.
Is this a joint venture ?
If this is your dwelling and your not in it together you need to pay for EVERYTHING.
One other point if you have the latter perspective then you shouldn't marry or live with her.
Bottom line: Where is the relationship and where is it going. Houses and material things are just details... Do you love her?