I would also strongly advise you to fully consider your options regarding titling. Though having you added to the home's title can be seen as an act of good faith, it can also create unintended issues for you. For a quick example, you won't get credit for the mortgage payments, but the mortgage will be counted as your debt should you want to purchase another home using your credit.
Feel free to contact me with any further questions!
thanks, Jeff Marr
Actually, you need to talk with your boyfriend's mortgage company and ask their advice. Many types of loans do not allow you to gift funds unless you are a direct relative such as parent, sibling, grand parent, aunt, or uncle.
I just had this same scenario on a FHA loan in April. The girlfriend could not gift funds even though she was going to be on the title and the significant other could not qualify on a conventional loan. They had to go into and American Family Fund program.
Consult a CPA before selling the stock. You may want to sell a combination of appreciated and depreciated stock so that there isn't a tax consequence. Or, if you're facing gains on other stock, you just may want to sell some that's gone down in value. Again, a CPA can advise you; it depends on your particular circumstances, other income, and so on.
Hope that helps.