http://activerain.com/blogsview/449665/fha-non-occupying-co-…

I wrote the above article to address questions like this.
The NOCB(non occupying co-borrower) can certainly help with the income and a strong credit file for the NOCB does help. But, the NOCB does NOT cure bad credit.

good afternoon......what about the ytd earnings for 2009?.did you include that in your yr and a half?...a co-signer would help...possibly, but as mentioned below, their is a new math problem to consider.....you may be fine on your own now.......best regards.bob mcclure- success mortgage partners- plymouth, michigan....

Having a co-signer with a great credit history and score could help in some situations. However, the co-signer would need to be able to qualify just like you and your husband for the amount of the loan. Go back to your mortgage broker and ask that question directly. Obtain the full information needed for the co-signer and learn the full ramifications of the process on them as well. Example, if they were to co-sign for you, there ability to borrow for themselves may be reduced as a result since the debt will appear on their records as well as yours. If you don't get understandable information from your mortgage broker call me at 817-800-4780 and I will be happy to direct you to a mortgage specialist who will.