Can a Parent Help You Qualify for a Home Loan?
October 29, 2026
Quick Summary
Did you know a parent, family member, or even a close friend may be able to help you qualify for a home loan without living there? It's called a non-occupying co-borrower.
Their income and credit get combined with yours, which may help you qualify for more than you could on your own. This can be a big help for first-time buyers. If you have someone in your corner, let's see if this may work for you.
Want more detail? Read the full article.
Video Transcript
Hey guys, I wanted to mention something that just came up. Did you know that a parent, other family member, or even a close friend can help for a home loan without living in the house with you? It's called a non-occupying co-borrower. Basically it's someone who won't live in the home, like a parent or family member, who adds their income to your loan application to help you qualify. Their credit and income get combined with yours, which can increase your maximum loan eligibility and get you into a bigger or better home than you could on your own. This is huge for first time home buyers who want more buying power, but don't have quite enough income to hit the numbers on their own. If you've got someone in your corner who's willing to co-sign, this could open up more options than you think. Send me a message and let's see if this strategy works well for you.
Next Steps
Take a look at our FHA loans, reach out to our team, or connect with me directly. We help buyers all across California.
Alisha Silva, Mortgage Loan Originator, NMLS #1683313. Lend Mortgage Solutions (50-50 Mortgage Inc.), NMLS #2289265. Equal Housing Opportunity. This video is for general education only and is not a commitment to lend.
Ready to Move Forward? Choose Your Loan Officer →
