Please don't be a joint owner of a house when you're not married to the other owner. Consider having one person buy it and the other pay rent to contribute to the mortgage.

My good friend who works for a bank has told me a lot of sad stories that happened when the couple split up. Ruined credit scores, foreclosures.

Not trying to rain on your parade, but since this is personal finance, just suggesting an alternative method that has a lot less risk.