Can I add another applicant or use a co-signer with a higher credit score?

Applies to: United States.

Yes. For a U.S. application, you can ask to add another applicant. The additional person can complete a separate application, or you can let your processor know so the team can explain the steps for your file.

Can the higher credit score be used?

There is an investor option that can use the higher credit score, with a down payment of at least 20%. This is a specific program option, rather than a rule for every application. A higher-scoring co-signer does not automatically qualify the transaction.

Tell your processor that you want another applicant or co-signer considered, and ask whether the higher-score option is available for your circumstances. The team should confirm the applicable program, down-payment requirement and application steps before you rely on it.

Do not assume that the lower down-payment options advertised for other primary-home programs apply to this particular co-signer route.