Can I add a co-borrower who is not vested in title at the time of application?

Adding borrower to title

Yes, however at least one of the borrowers must be on title at time of application AND

1. 1. If we are using income from a borrower who is not yet on title, we must obtain proof that they have lived at the subject property for at least 6 months (proof includes but is not limited to utility bills, W2’s, government issued photo I.D., a bank statement, other financial statement and/or vehicle registration). A new deed will be prepared at closing to add them to title.
   2. We are not using income from a borrower not yet on title, we must obtain proof of occupancy and a new deed will be prepared at closing to add them to title.