Can I buy a home with a co-signer?

Yes. A co-signer (the loan calls them a non-occupant co-borrower) adds their income and credit to help you qualify, common when a parent helps a first-time buyer. They're equally responsible for the loan.

Conventional and FHA both allow it, though FHA prefers family. The co-signer's debts also count, so they need solid numbers. We'll model the file with and without the co-signer to see if it actually helps.

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