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FHA Mortgage Lenders Allow Non Occupant Co Borrowers

FHA Mortgage Lenders Non-Occupant co borrower
1-Unit properties only. Max mortgage is limited to 75% LTV unless non-occupying co- borrower’s meet FHA definition of ‘family member’. Seller cannot be non-occupant co-borrower. Non-occupant co-borrowers may be added to improve ratios. Non-occupant co-borrowers cannot be used to overcome or offset borrower’s derogatory credit. The non-occupying borrower arrangement may never be used to develop a portfolio of rental properties. The financial contribution by the non-occupying co-borrower and the number of properties owned  may indicate family members are acting as ‘straw buyers.’ FHA Mortgage Lenders will not lend on transactions with non-occupying co-borrowers that fit the above scenario. Non-occupant co-borrowers are not eligible on cash out transactions.


US Mortgage Lenders has an extensive lender network that allows us to provide unique and mortgage solutions. Contact US for the most update information on terms and conditions. All Information on this site Is for example, hypothetical purposes and should NOT be relied on for decision making.
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