You searched:
“I need a cosigner for a mortgage what are my options”
Needing a cosigner is not a sign of failure -- it is a common and smart strategy. FHA even has specific provisions for non-occupant co-borrowers, making it easy for family to help you qualify.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Income alone does not meet lender minimumsSolution exists
- 2Credit score needs a boost from a co-borrowerSolution exists
- 3Debt-to-income ratio is too high aloneSolution exists
- 4Recently self-employed with limited historySolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
FHA Non-Occupant Co-Borrower
FHA allows a family member to co-sign without living in the property. Their income and credit help you qualify.
Available nowConventional Co-Borrower
Conventional loans also allow co-borrowers who add income to your qualification.
Available nowQualify Alone with Non-QM
Bank statement or asset-based programs may help you qualify without needing a cosigner at all.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Cosigner questions? We explain all the options.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
Our Presence
Click on endorsed states to see our direct resources!
Frequently Asked Questions
No. FHA allows non-occupant co-borrowers who are family members. They add their income and credit to your application without living in the property.
The cosigner is equally responsible for the mortgage. Late payments affect their credit, and the debt appears on their credit report as an obligation.
For FHA non-occupant co-borrower, it must be a family member. Conventional loans may have more flexible co-borrower requirements depending on the lender.
Cosigner questions? We explain all the options.
We will reach out at a time that works for you. No pressure, no obligation.