using a cosignermy credit took a trashing thru a divorce. late payments (mostly on credit cards/student loans) were regular, but the mortgage always got paid. I have not declared bankruptcy or been foreclosed on. I want to sell my home and downsize, but cannot afford to clean up my credit before I sell/buy. Are there any loan programs (FHA?) that will allow me to use the cosigner to forgive my credit snafus (not a regular situation) and let me put 20-25% down? January 02 2014 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.