While I am unsure exactly what your question is I will say this . . .  when two or more people purchase a home and obligate themselves to repay a loan it is irrelevant which signs "first." They both own the home and they are jointly liable to repay the lien on the property or their interest will be foreclosed upon. It is important however that purchasers of real estate understand how they take title and what happens if one of the co-owners dies or otherwise the property needs to be divided. These questions are best answered by an attorney familiar with real estate law in the state the property is located. Wills expressing the wishes of the owners regarding real estate they own in the event of their death is also important for owners of real property.