Fiancé Wants To Put The Title Of Our Future House In His And His Sister’s Name And Not Ours.

I’m currently still looking for work after finishing school so i’m currently unemployed and might still be if i have no luck in finding work by the time we’re buying our house. We’re also looking to buy in the next few months. My fiancé’s dad owns multiple estates and is renting them out so he makes a pretty good income. As a marriage gift, he was willing to help me and my fiancé with our first home.

This may be confusing, i don’t know a lot about the legal aspects of buying a home or in real estate at all but I’m gonna try to word this out as best i can.

So initially, we agreed that our first home would be in my fiancés name and his father’s name only. His father’s name would be on it because he has better credit and so my fiancé wouldn’t get caught paying everything on his own in the beginning. Like I said it was supposed to be a marriage gift. He would only help us for a certain amount of time with the mortgage. My name wouldn’t be included on the title of the house because even though we will be married, I’m unemployed currently so i guess it would make sense from a legal and financial standpoint to not include my name on the title or deed of the house.

Plans have now changed. I wasn’t aware this conversation took place either. I’m just now finding out. My fiancé just told me that instead of putting the title of the house in his and his father’s name, the title will instead be put in his name and his older sister’s name. She won’t even be living with us. The reason why is because they said this house will be like an investment. His father will still help with our mortgage from the money he makes off his rental properties, my fiancé will obviously still contribute, and now his older sister will be on the title and she will also contribute to the cost of the mortgage of the house. Why? This is what i was told. If me and my husband decide to move out of the house, we will then sell the house and that money will be split evenly between my fiancé , his father and his sister. I won’t be entitled to anything because my name isn’t on the title or the deed of the house… but my fiancé would obviously give me a share of the money. If we choose to stay in that house then we will buy the house from fiancé’s dad and he would then split that cost with his daughter, because she would have contributed to the mortgage. Not that the money matters but, I wasn’t happy to hear this. If something were to happen to my husband, the house that I’m living in with my husband doesn’t belong to me. It would then be given over to my fiancé’s sister and the house and everything in that house will be hers. Anything I choose to buy or the money that I have saved up that I’m going to use to contribute to the house won’t belong to me. My name isn’t on the title or the deed, and I won’t be entitled to literally anything. My husband then stated that he will include in his will everything that I will be entitled to, so if in the case something were to happen to him, I’m not stuck homeless or in a bad position. Legally, even if he were to write that in his will, I’m almost certain that because his sister‘s name is on the property of the house, i still won’t be entitled to anything. He reassured me that even if his sister got everything, his family wouldn’t just let me suffer but, something about this doesn’t sit right with me. He told me if I were to start working he would then take his sister off of the title and include my name but, because I currently don’t have an income and might not by the time we’re married and we buy the house, he won’t include my name.

I don’t know what I’m getting myself into.