60 Minute Homebuyer Logo
About Blog Get Pre-Approved Book a Call
Log In
← Back to all posts

How Hidden Debt Destroys Couples During Homebuying

by Jennifer Beeston
Sep 10, 2025
Connect

Buying a house as a couple should be exciting but for so many, it becomes the moment everything falls apart. After 18 years as a top mortgage loan officer, I’ve seen relationships unravel during the home loan process because people didn’t talk about money before applying. 

In this video, I’m breaking down the real conversations couples need to have about credit scores, income gaps, hidden debt (yes, I’ve had to tell spouses about secret $150K gambling debt), and who’s really paying the mortgage when one person makes way more than the other. It’s raw, it’s honest, and it could save your relationship and your future home. 

If you’re planning to buy a house with your partner — whether you’re married, engaged, or just thinking about it — this is the video you need to see before you fill out a loan app or start scrolling Zillow. 

Trust me, the biggest red flag in homebuying isn’t bad credit — it’s financial silence. 

Avoid These Mistakes When Buying a Home as a Couple

 

Responses

Join the conversation
t("newsletters.loading")
Loading...
DTI Basics for First-Time Homebuyers: Understand What You Can Really Afford
Understanding debt-to-income ratio (DTI) is one of the most important — and overlooked — parts of getting ready to buy a home. It plays a huge role in whether a mortgage gets approved and whether the payment will actually feel affordable once it kicks in. This video breaks down how lenders view DTI, including both front-end (housing-only) and back-end (housing plus all debts) ratios. It also co...
Think That Lender Is Legit? Think Again.
Mortgage scams are getting more sophisticated by the day, and with AI and online impersonation tactics on the rise, it’s getting harder to tell who’s real. In this video, I walk through how to verify if a mortgage lender is legitimate before handing over any sensitive information. From AI-generated calls to fake websites stealing loan officer identities, you gotta stay smart. You'll learn how t...
Is That Old House a Good Deal or a Money Trap?
This video breaks down the key things buyers need to consider before purchasing an older home—especially properties built in the 1930s or earlier. From potential historic designations to costly updates like electrical, plumbing, foundation work, and HVAC, older homes come with unique challenges. I cover what to look for during inspections, how to spot deferred maintenance, and which repairs cou...

Home Truths with Jen

Welcome to The Loan Down — your no-pressure update on mortgage and housing news, with the info you need delivered clearly, simply, and without the stress.
© 2026 Jennifer Beeston - All Rights Reserved
Powered by Kajabi

Join The FREE Challenge

Enter your details below to join the challenge.