Purchase Non Occupant

Want to purchase a home or refinance but you have too much debt and not enough income?  A family member or friend can co-sign a mortgage for their son-daughter or friend to help them qualify for a home purchase. We offer solutions that work for you.

Advantages for Non-Occupant

  • Occupying borrower is not required to have a minimum contribution to the monthly income
  • Occupying and non-occupying borrowers’ incomes are combined
  • Occupying and non-occupying borrowers’ debts are combined
  • Available on a variety of products: 30-Year/15-Year Fixed, 5/1 and 7/1 ARMS

Non-Occupant Co-Borrowers are Borrowers Who:


  • Do not occupy the subject property
  • Sign the mortgage deed of trust and note
  • Have joint liability for the mortgage
  • Are family or have an established relationship with occupying borrower(s)
  • Have a principal residence in the United States unless they are military, active-duty serving overseas or a U.S. Citizen living abroad

Let Townstone Financial find a loan that works for you.


Talk to us!

We’re here to help you every step of the way. Simply fill out our contact form and one of our Expert Loan Officers will get back to you quickly. Have A Question About A Home Purchase, Reverse Mortgage, or Refinance? Call Townstone at 312-896-2110