My question is can my sister,brother-in law,and I get loan mortgage. But my name is the only one that can be on the deed to house

Probably not. Though it may be possible for the to cosign the mortgage if you can't qualify on your own. You need to talk to local lenders about it.

It would be absolutely stupid for them to do so... assuming you would find a bank that would do it without their names being on the Deed as well. WHy would they want to be obligated to pay for something they don't share ownership in? It would really screw up their credit records with nothing in it for them. Meaning they would have a VERY hard time getting a loan for themselves when they have an obligation to that one.

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Originally Posted by daisyroe80

My question is can my sister,brother-in law,and I get loan mortgage. But my name is the only one that can be on the deed to house

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I can get the down payment but would not qualify for the loan

And we'll move in together

Whoever your lender is will decide this. They own your house for the first several years, while you own the front steps (depending on how much you put down).

Many people think that they can't be on a deed and are wrong about it, so if you want, tell us why this would be the way you 3 want it this way.

If they want to move out someday, it's easy to change the names on the deed, and there is no transfer tax (just a small filing fee) as long as no money is changing hands.

The ones not on the deed are utter fools. Here they are, beholden to a bank for 30 years of payments, with absolutely no property at all to show for it. Basically giving you a gift. Regardless of living with you... you could evict them a month after they move in, for non payment of rent, even if you all pay the mortgage!