First time Home Buyer in CA?

Question

I am currently on a title and mortgage with my mom that was set up when I was in college on her house. This was to make home transitioning easier if she died. She has been paying the mortgage and I am just named on the mortgage/title. Anyhow, I believe I am no longer considered a "first time buyer".

My fiancee and I are looking to purchase our first home soon. She is a first time buyer. Would we qualify as first time home buyers, even though I am on title of mortgage/title on my mom's house? We live in Los Angeles, CA.

Answer 1

I have had situations similar to this. She can make the  purchase, and then after you are married, do an intersposal deed.  You are then added to the property.

Answer 2

You will not be able to buy a house together as first time buyers, as you are not a first time buyer, in fact you are presently a home owner.    You would not even qualify for a primary residence loan.

Your GF can buy, without you on the mortgage, if she does it before you are married.