too much info is missing, so let me give you a couple of scenarios where you would not need a co signer.. If you worked as a Customer Relations manage for one company for 2 years and you left that job for another Customer Relations manager for higher pay, and you've been on that job for 6 months, you will be ok.. no cosigner necessary.. if you graduated from an accredited college and was studying to be a nurse, and you are now working as a nurse, then no cosigner would be necessary.. If your job pays you by commissions, and your previous jobs paid you by hourly wage or salary, then you would not qualify for a mortgage.. guidelines state you need 2 years filed federal tax returns showing your commissions to qualify.. this is just a few examples.. the rules are specific and without knowing the specifics of your scenario it's hard to say.. The best advice I can give you is to contact a LOCAL mortgage broker and apply with them. Do not use the local "Big" bank, or one of those 50 states internet lenders or nationwide lenders...By applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with numerous lenders, seeking out the best loan terms for your particular scenario. Because he has lower overhead, he can offer you lower rates and lower fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. 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
Maybe/depends. If you just graduated college with a Bachelors degree and you are working in the field of your study and you qualify by yourself, then you will not need a co-signer. Co-signers are common for first-time buyers. Call or email me and we can get you prequaled. Best Regards,Bryan858 805-5347bryan.horn@fremontbank.com
Ask our community a question.