Real Estate /
Getting a mortgage loan with girlfriend [18]
Divorce lawyer. Take it from me that a most lovely woman will turn into the most vicious witch in custody situations. Your down payment may be the least of your problems then. Always think worst case and hope it will never happen. For example: never turn your finances over to her alone and count that she will be making payments like taxes and mortgage. The same with credit cards.
The worst-case scenario: you break up and, as Atch said, she gets to stay in the house but you are forced to keep making payments with limited visitation rights. It may happen just like that after a fight and her claims that you abuse the kids.
Insist on full transparency in everything - checking and email accounts as well as the phones. Check yours for tracking and snooping apps or simply factory reset it periodically. Only her underwear can be private.