How to Rock Adding a Co-Signer on a Mortgage!!!

Mortgage and Lending with US Bank NMLS: 22343

How to Rock Adding a Co-Signer on a Mortgage!!!


When your fantasy of owning a home meets the reality of qualifying mortgage, it can sometimes mean that you'll need a little help.  And in more than a few of those cases, the most elegant solution can be a co-signer, technically known as a "non-occupant co-borrower" within the mortgage industry.


So, who makes a good co-signer and who's just "bad company?" Let's learn how co-signers can impact, both good and bad, the three most critical elements of any loan approval; income, assets and credit.


I won't deny it,



Rob Spinosa
SVP of Mortgage Lending

Guaranteed Rate
NMLS: 22343 
Cell/Text: 415-367-5959


Marin Office:  324 Sir Francis Drake Blvd., San Anselmo, CA  94960 

*The views and opinions expressed on this site about work-related matters are my own, have not been reviewed or approved by Guaranteed Rate and do not necessarily represent the views and opinions of Guaranteed Rate.  In no way do I commit Guaranteed Rate to any position on any matter or issue without the express prior written consent of Guaranteed Rate's Human Resources Department.

Comments (10)

Bill Salvatore - East Valley
Arizona Elite Properties - Chandler, AZ
Realtor - 602-999-0952 / em:




Enjoyed your blog page, and I added you as a friend. I would love the follow back. Thanks Bill


Aug 25, 2022 02:26 PM
Richard Weeks
Dallas, TX
REALTOR®, Broker

Great information, thanks for sharing.  I hope you have a great day.

Aug 26, 2022 01:47 AM
Anna "Banana" Kruchten
HomeSmart Real Estate - Phoenix, AZ

Rob it's been so long since I've done any sales with a co-signer.  But years ago it was more prevalent, especially with 1st timers.  Rock on!

Aug 26, 2022 09:58 AM
Grant Schneider
Performance Development Strategies - Armonk, NY
Your Coach Helping You Create Successful Outcomes

Good morning Ron - this is a very instruction video, however, the cosigner should beware.

Aug 27, 2022 03:52 AM
Leanne Smith
Dirt Road Real Estate - Golden Valley, AZ
The Grit and Gratitude Agent

Agreed with Grant Schneider. the co-signer must be aware as should be the co-signer for any type of debt.

Aug 27, 2022 07:24 AM
Jan Green - Scottsdale, AZ
Value Added Service, 602-620-2699 - Scottsdale, AZ
HomeSmart Elite Group, REALTOR®, EcoBroker, GREEN

Great post!  A "non occupant co-borrower" might come in handy for those that are buying their first home.  One of my sales 3 years ago was just that.  A daughter had her parents co-sign.  They are a solid family and I've met them all.  It's a great solution when a buyer needs a bit more oomph on a credit score or down payment!  Great video! 

Aug 27, 2022 04:45 PM
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

Excellent information in your post and especially your video. There are certainly some important issues to be aware of before taking this important step.


Aug 28, 2022 04:27 PM
Fred Sweezer Sr. CMI, LLC.
Hud Certified 203K Consultant - Long Beach, CA
HUD 203k Consultant

Yes, there is a level of risk management but for your son or daughter? 

Sep 02, 2022 12:05 PM
Rob Spinosa

Totally agree, Fred. But sons and daughters also miss a payment due to isolated and sometimes completely honest circumstances and that mortgage late can impact all of the borrowers just the same.  Something to think about for all involved. Would I co-sign for my child? Yes, but I would certainly understand the risks (and I do).

Sep 04, 2022 10:01 PM
Fred Sweezer Sr. CMI, LLC.
Hud Certified 203K Consultant - Long Beach, CA
HUD 203k Consultant

Yes, there is a level of risk management but for your son or daughter?  Thanks for your post 


Sep 02, 2022 12:07 PM
Kristin Johnston - REALTOR®
RE/MAX Platinum - Waukesha, WI
Giving Back With Each Home Sold!

Great information.   Thanks for sharing and enjoy your day!

Oct 25, 2022 07:45 AM