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2. Should you use a cosigner to get a loan? The pros and cons - AOL

   www.aol.com/finance/cosigner-loan-pros-cons...

   “If you’re considering using a co-borrower or cosigner to qualify for a loan, be sure to confirm upfront with the lender which term applies,” says Barry Rafferty, senior vice president of ...

3. Should you add a co-borrower to your mortgage? - AOL

   www.aol.com/finance/add-co-borrower-mortgage...

   A co-borrower, also referred to as a co-applicant or co-requestor, is an additional person on a mortgage. In a co-borrowing situation, both borrowers complete an application, and the mortgage ...

4. The Differences Between Co-Borrowers and Co-Signers - AOL

   www.aol.com/news/differences-between-co...

   A lender accounts for the co-borrower's or co-signer's credit and income when evaluating you for a loan. If you're applying for a loan but struggling to qualify, you might want help from a co ...

5. Shared appreciation mortgage - Wikipedia

   en.wikipedia.org/wiki/Shared_appreciation_mortgage

   The team focused on a choice for borrowers of two interest rates: a 0% mortgage where the borrower could borrow up to 25% of the value of property and give up appreciation worth three times the percentage borrowed, i.e. up to 75%, and a 5.75% mortgage where the borrower could borrow up to 75% of the value of property and give up appreciation at ...

6. Loan origination - Wikipedia

   en.wikipedia.org/wiki/Loan_origination

   When the borrower refinances his/her loan, they can pay off the remainder of the debt. Example: If the borrower owes $1,500 in credit card payments and has a gross monthly income of $3,000, his DTI ratio would be 50%. But if the borrower owes $1,500 in payments and has a gross monthly income of $2,000, his DTI ratio would be 75%.

7. Mortgage underwriting in the United States - Wikipedia

   en.wikipedia.org/wiki/Mortgage_underwriting_in...

   Credit is what the underwriter uses to review how well a borrower manages his or her current and prior debts. Usually documented by a credit report from each of the three credit bureaus, Equifax, Transunion and Experian, the credit report provides information such as credit scores, the borrower's current and past information about credit cards, loans, collections, repossession and foreclosures ...

8. Before Co-Signing a Mortgage, Consider These 6 Possible Pitfalls

   www.aol.com/news/2013-04-15-co-signing-mortgage.html

   People co-sign for other people to help secure mortgage loan financing, not knowing the full ramifications of what co-signing does for the long-term prospects of obtaining credit in the future.

9. Co-signer rights & responsibilities: How co-signing works - AOL

   www.aol.com/finance/co-signer-rights...

   This means that both the primary borrower and the co-borrower will have access to the loan funds. Frequently asked questions Yes, being a co-signer for someone else’s loan can hurt your credit.