Sometimes, you may not be able to qualify on your own, and may ask someone to sign with you to help you qualify.

If so, the co-signer will have to complete a loan application and will have to qualify, too.

Lenders will combine the incomes and debts of both borrowers and base the loan off of the lower of the two credit scores; both borrowers will be on the loan and on the title.

So, if you cannot qualify on your own, consider adding a co-signer.

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