10/20/2026
Short on income to qualify for a home on your own?
Conventional and FHA loans both let a parent, or someone else who won't live in the home, co-borrow with you, if you qualify. Their income, savings, debts and credit count along with yours. Swipe through for how the conventional and FHA rules differ, what it means for your co-borrower, and what to talk through first.
Thinking about asking a parent to co-borrow? Send me a message, and I'll show you whether adding them helps you qualify.
Full guide: https://lazzarolending.com/learning-center/parent-co-borrower
Sources: Fannie Mae Selling Guide B2-2-04 and B3-6-05, Freddie Mac Seller/Servicer Guide 5103.1 and 5401.2, and HUD Handbook 4000.1.
For information only, not an offer to lend. Justin Lazzaro, NMLS ID 1229453. Reasy Financial, LLC, NMLS ID 2446155, AZ BK 2012302, 14100 N 83rd Ave, Suite B-230, Peoria, AZ 85381. Equal Housing Opportunity.