Re: Common Law Marriage
You shouldn't need it BUT since the lender has no proof of your claim of being married, they do not have to treat you as married. One problem with common law marriages is; they are disputable by the parties involved. Since a court can review the situation and agree there never was a marriage, it complicates any situation where you contracted for something on the basis of being married. This is the problem the lender is faced with so; either give them the proof they require or expect them to consider you as single individuals.
I am not an attorney and any advice is not to be construed as legal advice. You might even want to ignore my advice. Actually, there are plenty of real attorneys that you might want to ignore as well.