Can two unmarried people apply jointly for a mortgage?

The CFPB says an unmarried couple can obtain a joint mortgage. A lender may not give married pairs and unmarried pairs different treatment just because of marriage, the lack of a marriage, or the chance they might marry.

The Bureau also lists practical points to consider before applying together: each person's income, credit, and other debts; how the property would be divided if a later dispute arises, including through a cohabitation agreement; and how each applicant will contribute to the down payment, closing costs, monthly payment, and utilities. Those are planning topics, not a requirement that any particular agreement be signed, and this FAQ does not advise two people whether to apply.