Can I add my Minor Son to My Mortgage Loan

You should be able to add him to the deed but won't be able to obtain financing for him until 18 yes of age -

You can add anyone you wish to the TITLE of a property. He can not be on a mortgage until he is of legal age, and he can not be added to the loan after the fact. But why the mortgage? Just start him out with a credit card. I personally added my then 14-year old as an authorized user on two of my credit cards. When he turned 18, he applied for his own cards, and was approved, one for $1,000 line, and the other a $5,000 line. Today he is 23, and has high 700 credit scores.

Nope.. to be able to enter into a contract, you must be 18 or older, and he also needs to have established credit and a credit score.. loan pricing is based on the LOWEST mid score of all borrowers.. you could have a 780 credit score, but even if he was 18, and had established credit, if his score is lower than yours, then you would end up with a higher interest rate on that property.. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893