Mortgage guy is right. Essentially you are applying for a new credit card with a 0% introduction period and a clause that says if you go over you owe the full amount of interest.

Why can’t you delay the engagement? My wife and I bought a house together a full year before I proposed to her. That was 10 years ago and the house has appreciated significantly while her ring is an overpriced rock.

In MA, about 3 weeks after the final note, the title lien is released, and the state of MA sends you a new title in the main with only your name on it.