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Answers (4)
- Jason Nowak, "jnowak1027"
- Contributions:80
if your son lives in the home with you, he can just co-sign on another loan with you. If he does not live in the home, you'll have to refinance using him as a non-occupying co-borrower in order to include his income. Otherwise they will allow him to co-sign on the loan, but you'll have to income qualify on your own for conventional financing.
- mymortgagebrokerjoe
- Contributions:129
yes, still a refi.
- shapiroamg
- Contributions:3058
I agree with Chris' answer but want to ask if you do get alimony payments? This can be used as income for qualifying purposes and you might only need to show that you have been receiving them for the past 3 months.
- Chris Milker, "CMG Financial"
- Contributions:255
Yes.. You will need to refinance to remove your husband from the Note (mortgage). If you and your son can qualify (credit and income) that would be your best option.
Is it refinance?
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