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She can qualify alone if she makes enough money to cover the loan. The ratio to qualify for a mortagage loan is 31%/41% generally. What this means is that the house payment divided by the monthly income can't be greater than 31% and the total amount of debt/monthly income is not greater than 41%.If she is under this guidelines, she may qualify alone. She needs to apply for an FHA loan.
FHA allows non-traditional or alt trade if there is in fact no score and nothing derogatory on the credit report. Three alt trades if you can provide proof of at least 12 months of rental history. It is also possible to use a TIN number.
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For Sale: $900,000
For Sale: $859,000
For Sale: $849,900