Frequently asked questions

What if I’m applying with a co-borrower?

We have to use the lower credit score of you and your co-borrower. If one of you has a low credit score, we often recommend that the person with the higher credit score apply to get the best terms possible. You’ll still be able to put both names on the title. However both people may need to apply if more funds are needed for your down payment, or to improve your debt to income ratio.