Can My Son Get An FHA Mortgage?

Keep in mind that a "co-signer" does not negate bad credit or boost another's credit. Non-occupant co-borrowers (NOCBs) only add income to the equation to better qualify for the debt ratios. If a person cannot qualify as to credit score, or employment status on their own, a NOCB won't help at all.

From the situation you describe, it appears that you could possibly qualify for an FHA loan as long as your debt ratio is fine. We are licensed lenders in all 50 states and I would love to provide you with a FREE quote.

jane0oo, Gregorio gave you the best advice here. Assuming, he qualifies for the loan based on his income it would really depend on his credit depth and current scores. Non occupant coborrowers are used to supplement income rather than to offset very limited or derogatory credit. If his credit meets basic underwriting criteria and he can afford the loan based on his verifiable income, there may not even be a reason for you to cosign on the loan for his purchase

If he can make a breath mark on a mirror, has 3.5% down. A minimum FICO of 620 -640, you may help as a co-borrower. .... Happy funding, Rudi