Answers by Aime Peralta

You can request one or the other; via a "Request to Repair," the seller will either perform the repairs or grant you a $10,000 credit. You leave that option open to the seller if you do not have a preference.

If she’s paying cash: That’s the easiest way. She can buy the home and have the Title put only in your name. It would be considered a gift purchase through escrow, meaning she gives the money, but you’re the official owner. If she needs a loan (mortgage): Then the loan has to be in her name, since she’s the one making the payments. In that case, the lender will also require her name to be on the title — so it can’t be just under your name. If you both apply for the loan together: Then both of your names can go on the loan and the title, so you’d both share ownership and responsibility for the mortgage. Before doing anything, it’s a good idea to talk to the loan officer and make sure everything is set up the way you both want.