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DON'T close on this house!! Run from this "boy"friend.

Even aside from the mother, do you really want to be with a guy like this? Seriously. Read your words again, and picture it being strangers you are reading about. Wouldn't you advise this woman to walk away, or in fact, run away from this situation?
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Well this is red flag city!! I'll start with the easiest anomaly first:

* have you two actually talked about the chores of caregiving and the items you have listed here?

* you took care of your Dad even though it made an impact on your health because you loved him to death and would do it again. It is possible that your boyfriend feels the same about his Mom, whether you see it in him or not?

*you say Mom has squandered money from her reverse mortgage so be aware that when she sells her house now most of the sales proceeds will go to the reverse mortgage lender. She isn't going to make very much, if anything from the sale.
* He's "lazy", doesn't have money for the down payment but will pay the mortgage payments once we're in the house. What has he been doing with his money? Where is he suddenly going to get the money to pay a mortgage?

* You have an extra bedroom for your 20 year old dgt " in case she needs to move in so you can help her get back on her feet". What's the relationship between your dgt and boyfriend and has he agreed to the possibility of her moving into the house (or are you the one making assumptions)?

Reading your post, it seems has if you two have just kind of fallen into being used to each other's presence but ......... is there real love and affection there?. This house purchase may benefit no one in the long run and may prove financially disasterous for both you and him. You may definitely want to put a hold on purchasing the house and maybe take sometime apart from each other to analyze your feelings towards your relationship. I would also consider reviewing what you expect a partner to bring to a relationship as well as what you should bring to it.

Once you purchase the house, it will be a financial morass should the relationship fall apart for any reason and based on your post, it could fall apart even as the ink dries on the mortgage documents.

Wishing you good luck and calm thinking on this journey.
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ySell the house immediately or move your daughter in immediately. You said you solely made the down payment, so you pocket the cash.
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I can't see just walking away and giving him the house. I would at least get my deposit back. Let him live there with his mother.
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If you haven't closed on the house yet, there is time to pull out of the deal. You might lose your earnest money, but that is nothing compared to what you are facing if you go through with the purchase. Protect yourself. Remember: the first loss is the best loss. Don't get in any deeper.
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Dont do it!!! Put a atop to it. If you are putting the down-payment on the house, why does he get more say of what happens in the house????? Nooooo!!!
You need to stop this in its tracks. Back out. If he is working that many hours, and you are home, you WILL be stuck taking care of her. Is that the real reason for the house? Kinda sounds like it. The timing and all.? is sus.
Tare the 35 and buy your own house. Then visit him when you want.
He is getting a free live in maid. If he is working that many hours, you will be doing all the cooking, all the cleaning, all the 24/7 free labor to take care of her. Let that sink in. He will say, I can't, I'm at work.
You need to stop this now before you sign any paper work.
I wouldn't move in, until he finds a place for her. He can't take care of her if he is at work. That's a joke.
Tell him it is triggering you, and you can't do another 10years. Your health will suffer. You could have a stroke or heart attack being resentful and taking care of her, because he isn't even home!
That should be a deal breaker. He doesn't even care how you feel about it. He doesnt even care if you say no. He doesnt even care for your feelings. He knows how you feel, and is doing it anyway. That is not a boyfriend. That is a user. Let that sink in!!!
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Get a new boy friend.
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Flowerhouse1952 Feb 2022
This woman needs to find herself first before finding another boyfriend. Otherwise she'll just find the same kind of guy and be in another rut.
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I couldn't even read any more passed the middle of your post.
As they use to say way back - Are you nucking futs?
Funny thing, I bet you'll go ahead.
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KaleyBug Feb 2022
Same I read have of it and thought huge mistake to buy the house.
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Run. Back out of buying this home. Run run run. You are buying a home with someone you're not married to who is not putting down anything on the purchase but, your "lazy and disrespectful" boyfriend will, he says, pay the mortgage afterward. Yet you know he doesn't have enough money to put towards his mom's care ... so you may be whistling Dixie to really think he's going to really pay the mortgage. And he has already, before you are married and with no conversation with you, said that another adult can live with you. NOPE. Let me count the red flags here. I don't care if it costs you $$ or you need to live in a hotel for a month while you find a new place to rent -- Get a place that you can afford ON YOUR OWN and have your name as the only one on the lease or mortgage. If you want him to live with you after that (and frankly, he sounds like A. LOT), then let him. Ask him to pay for half of the rent, but know that you're not RELYING on him to do so. Otherwise, you may end up hooked to some guy because you need him to make rent. Independence is everything.
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This is a mistake from the start. Nothing good can happen at the end of this. You need to marry the man and take on all the responsibilities of marriage, or find a man you can love and respect and marry. Your children cannot feel good about this entanglement. Take your money and find a place for you and your grown children and then, maybe, your life will begin to attract some responsible and good people who love and respect you.
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Flowerhouse1952 Feb 2022
She is not ready for any relationship if she has to ask if it's okay to be used in this horrible manner. Please don't encourage another relationship. She needs to find herself first.
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Why would you make plans to move in with a lazy and disrespectful man (your words) who doesn't even respect you enough to ASK you about moving his mother in?

This man is clearly expecting you to care for his mother. Has he made arrangements for a nurse or helper? No. He supposedly can't afford it. He makes YOU sleep on the FLOOR!!!!! He essentially made YOU pay for the house.

I do not understand why you are staying with this horrible person that has no love or respect for you. You need to take a loss on your money, and get AWAY from this man as soon as possible, before you lose your health and sanity. Or, you WILL be the ONLY one caring for his mother.

You need to get counseling to find out why you allow yourself to remain in this abusive (gaslighting) situation.
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Reread what you wrote then run.
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You need to move on with someone else. The way you talk about her on here you would be gone. It will only make life worst for you and your boyfriend.
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Sounds like YOU are very needy. Same reasons why women don’t leave their abusers in a lot of cases. Don’t put your name on anything with him. You already know what he is like. Run, don’t walk away from this relationship.
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Seems like you wrote about this in the last 2 weeks.
If BF is not considering or respecting you now, don't sign for the house. Start packing! He WILL take advantage of you and will expect you to do his responsibilities in caregiver. If he will make such demands by disrespecting and not considering your feelings, it's a big red flag to your relationship. Roll on down the road. You deserve better. By not leaving, you've only got yourself to blame.
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I have a question for you, Nota....
Why are you "shacked up"? Break the house contract and get away from this stupid situation....you brought all this cr*p on yourself. Get out before it's too late.
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You are not married to your boyfriend. It sounds like you are being used to fund a housing situation you might both like to have, but that may also be used to accommodate his mother. You do not need the elaborate excuses for why you do not or cannot be care taker for his morher. You may not want to share your housing space.even with an able-bodied MIL. Make an honest assessment of this relationship and consider if you think you should be in it at all.
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As almost all the posters said, it isn't MIL problem but your relationship with boyfriend. Why are some women like that? ...do everything for the guy and rational thought just disappear? What is it about a man that will make a women just abject themselves and forget about everything else?

Go for counselling and break that deal on closing for a house cause you are not ready for anything just yet.

(Ok...I just read your response and I think you most likely closed on the house. Power struggle going on here and you need to be right. Hopefully things will work out because it doesn't look like any of the comments here made any impression with you.)
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PeggySue2020 Feb 2022
I read it quite differently. By putting down a year or two equivalent in rent, he then pays the mortgage for an indefinite period. She's not even working so how she could contribute if he does pay off her half is, well dubious.

But it's guaranteed housing for her, her 15 yo who may stay for however long probably living at home if going to some state school, and her 20-yo daughter who's supposedly on her own but not so much that mom isn't worrying about keeping a spare and empty bed for her.

It's all about how OP won't do any labor for the MIL...so why not just make that clear to BF instead of wigging out that daughter now won't have their spare bed if she needs?
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Even beyond your relationship issues, you may have a huge financial issue! From what I understand I think a reverse mortgage has to be paid back when the owner no longer lives there. If it is sold, all the money received from the reverse mortgage has to be paid back probably at closing which will reduce anything she walks away with, so unless it is a huge expensive house she could have no where near the $100,000 you are suggesting be used for her care elsewhere. That $100,000 is definitely counting your chickens before they hatch. I know it happens everyday, but I would never suggest investing in a house with anyone but a spouse because I would think that would bring the most security for your investment if the relationship ends. If you decide to move forward I would suggest investing in an attorney that can advise how to move forward financially and prepare contracts accordingly. I feel your $35,000 might be better spent on rent for a place by yourself.
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Please allow me to offer a very plausible scenario that is going to happen. You're all moved in with the lazy boyfriend. His mother is now living with you as well. The boyfriend has decided that he cannot/will not hold up his "promise" to make the mortgage payments so they now fall back on you. The mortgage company will not care about who promised what - if your name is on the Note, then you are responsible. So now you're on the hook for the mortgage payments in addition to putting $35k down. If you end up not being able to make the mortgage payment, the house goes into foreclosure and you lose your 35k plus anything else you've put into the property. The boyfriend walks away with no problem because he has nothing invested. Please heed the advice of so many others and and run from this arrangement.
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Is this a joke? How could anyone actually be in a situation like this for real?
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JColl7 Feb 2022
It does sound unbelievable that someone would get themselves in such a situation.
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There is no way that someone who has never been a 24/7 caregiver can comprehend the weight of that responsibility... they can only imagine it! Even with being a care partner then becoming an actual 24/7 caregiver for my husband over the last 30+ years with Parkinson's and other issues... I have still been taken by surprise at times at the levels of special care he needed next as his condition has progressed. It is a very hard job even when you love someone dearly, I can only imagine how much harder it would be as a 24/7 caregiver for someone where you have a weak relationship. You have been there so you understand the potential stresses but he will never totally understand until he experiences it. You have to go with your gut whether you are willing to go through this again because telling him all the reasons are beyond his comprehension... this is not a put down on him... it is a fact that no one can TRULY understand who hasn't been there.
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WHATEVER YOU DO - DO NOT SIGN ANY AGREEMENTS FOR ANYTHING WITH THIS MAN - GOD HELP YOU IF YOU DO. IMMEDIATELY SEEK AN ATTORNEY FOR HELP. This man is the worst example of a "man" I can imagine and what he is asking you to do is pure insanity and you are insane if you go along with it. DO NOT ALLOW THE MOTHER IN LAW TO BE PART OF YOUR FAMILY - YOU WILL BE A FOREVER SLAVE AND SHE WILL BE THE QUEEN. No man is worth this. He doesn't love you, you are his property and his slave and he will control everything you do or have or say and you will have NOTHING BUT HEARTACHE AND MISERY. Get up and run away as fast as you can but do NOT GET INVOLVED.
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THIS IS WHAT I CALL A DEAL BREAKER IN A RELATIONSHIP!!!
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I usually tend to disagree with most people here as I've found that the majority try to push people toward not having loved ones in their home. However, in this case, I have to agree with what others have said. I'm not sure if you'd agree to having his mom live with you if he was contributing more, but you did say you cared for your own dad and wouldn't change it. He probably feels the same, but he's not contributing enough already and likely wouldn't in the case of his mom. My fiance's brother is disabled and will live with us. I respect whaever each family wishes when it comes to these things. Some families want to avoid care facilities, which is their choice. If you choose to continue with your current plans with the house, expect that his mom will be living with you. He seems stubborn enough to not respect your wishes. If that happens, see if she is eligible for Medicaid. If she has Social Security, she may have a case worker who could help you with coordinating care. With Medicaid, you can apply for waivers that can help with her care. What happens is your choice. Only you know what's best and liveable for you and your family.
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Make some calls to find out if she qualifies for Medicaid and then call all the nearby assisted living facilities to see who might accept her. Ask for a social worker.
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Geaton777 Feb 2022
Just to clarify no one "just calls" someone to "find out" if they qualify for Medicaid. Consulting with an actual Medicaid Planner would be most useful and accurate, otherwise one has to fill out the application, requiring access to and knowledge of their private financial info. If it is known for a fact that one literally has no assets, then it can be pretty certain they should qualify. Eg: my MIL had a home in foreclosure, an old vehicle, no investments, no other property, no savings, only her SS income. In my state the financial look-back period for Medicaid is 5 years. Social workers are not the ones to determine probable eligibility. In many states Medicaid does not cover AL or MC, only LTC. There may be an Elder Waiver program to cover some of the costs for those levels of care.
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Opportunists always seek out the easiest people to force their will on. If mom moves in, you move out; draw the line or YOU will be the boyfriend's victim.
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Don’t buy the house. You are making a huge mistake. If he is not contributing to the down payment why do you think he will make the payments.
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Chris52 Feb 2022
Her partner is now contributing to the downpayment, same amount as she.
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Don’t buy a house with this man. There are better men out there.
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Girl, get as far away from these two walking disasters as fast as you can.

If he is lazy guess who is going to be stuck with the payments? If he is disrespectful now, just wait until you mose in together.

If he brings in his mom the two of them will gang up on you.

Get out now and have no contact or expect a living Hell.
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Triedsohard Feb 2022
LAZY!!!! He works 10 to 11 hours and she works part time! Who is the lazy one?
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