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If you can’t get approved for a mortgage due to poor credit, a past short sale or foreclosure, a bankruptcy, or some other reason, one option is to use a co-signer.


To give you the borrowing strength you need your co-signer should have a steady income and strong credit history.  The co-signer must be at least 18 years of age and willing to have their income, credit history, credit score, assets and debts reviewed by your potential lender.


It is important to draw up an agreement that states who will pay the bills, who will occupy the home, and what happens if the main mortgage holder is unable to make the payments.


Before you seek out a co-signer consider hiring a real estate attorney who will draft a contract to look out for both parties’ interests and prevent unexpected problems such as the co-signer trying to use the property as collateral for another loan.