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Elizabeth Root, a licensed Loan Consultant at Better, explains how to decide whether or not to include another person in your mortgage application.

Many of our Better customers buy homes with a significant other, family member, or even a close friend by their side. If you’re in the same boat, you might be wondering if you should include that certain someone in your mortgage application as a co-borrower. Let's discuss whether doing so is right for you.

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What is a co-borrower?

Let’s start off by discussing what exactly it means to be a co-borrower. While you’ll often hear “co-borrower” used to refer to anyone who’s on the mortgage, lenders make a few more distinctions within that term. To start, a co-borrower is any additional borrower listed on the mortgage whose income, assets, and credit history are used to qualify for the loan. Both co-borrowers on the mortgage are equally responsible for mortgage payments and typically have ownership of the house (i.e. they’re both on the property's title). Having a co-borrower is not a requirement for getting a mortgage, but it can be helpful in that together, you and your co-borrower may find it easier to qualify for a mortgage (or a larger one) than you might have individually.

Co-borrowers are usually spouses or partners, but you can be “co-borrowers” with someone you are not married to, like a relative or friend. In this case, you’ll be referred to as co-applicants . The relationship and process are essentially identical to that of co-borrowers, but your lender will account for your separate finances by issuing you and your co-applicant individual loan applications for the same mortgage. It’s also possible to have a co-borrower that doesn't live in the home that the loan is for -- they are referred to as a non-occupant co-borrower .

You can also have a “co-borrower” who is not on the title and therefore doesn’t have ownership of the home -- co-signers are equally responsible for the mortgage as the actual borrower, while guarantors are only responsible for the loan in the event that the primary borrower can’t repay it. A common scenario for this is a parent who co-signs or guarantees for their child, whose mortgage application benefits from their parent’s added income, assets, and credit history.

Adding a co-borrower (or co-applicant, co-signer, or guarantor) can be beneficial as doing so could bring additional income and assets to the table. The combined income between the two of you may allow you to qualify for a larger loan amount, since you can afford higher monthly mortgage payments together.

Having a co-borrower may also help your ability to get approved for a mortgage in the first place by improving your debt-to-income ratio (DTI). Your DTI is all your monthly debt payments divided by your gross monthly income. Learn more about DTI here.

United States Senator Edward J. Markey

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Immigrant Family Services Institute and Haitian Americans UnitedPresented by Marty Martinez, Chief of Health and Human Services, City of Boston and Marion Davis, Communications Director, MIRA Coalition

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One Way VenturesPresented by Jeffrey Goldman, Chair, Governor’s Advisory Council on Refugees and Immigrants

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Read about last year's gala►

A group photo in the Senate chamber after a hard-fought victory: Arline Isaacson, Joel Rivera from MIRA, Cindy Rowe from JALSA, Amy Grunder and Eva Millona from MIRA, Senators Jamie Eldridge, Sonia Chang-Diaz and Sal DiDomenico, Gavi Wolfe and Laura Rótolo of the ACLU; Aaron Agulnek of JCRC, and Eldridge comms director Peter Missouri.

BOSTON, May 23, 2018 – Last night, after a thoughtful and substantive debate, the Massachusetts Senate voted 25–13 to approve Sen. Jamie Eldridge’s amendment #1147 , which adds four key protections for immigrants to the state budget for FY2019.

amendment #1147

In particular, the amendment bars police from asking about people’s immigration status unless required by law; ends 287(g) contracts that deputize state and local law enforcement as ICE agents; requires that immigrants be notified of their due-process rights; and ensures that Massachusetts does not contribute to any registry based on religion, ethnicity, citizenship or other protected categories.

The Senate then voted 25–13 to reject an amendment that included the same provisions, but also would have authorized police to detain immigrants for ICE, undoing the gains of the Supreme Judicial Court’s Lunn v. Commonwealth decision last year.

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Alejandra St. Guillen, director of the Boston Mayor’s Office for Immigrant Advancement, served as emcee. “Remember, this is house,” she said – regardless of citizenship or immigration status.

The 22nd annual Immigrants’ Day at the State House was both a reckoning with the devastating impact of the Trump administration, and a reminder of the importance of state- and local-level action.

BOSTON, April 4, 2018 – The theme of the day was “Immigrants get the job done,” and dozens of black-and-orange posters offered proof in numbers.

1 in 5 workers in Massachusetts is an immigrant; 1 in 5 entrepreneurs, too; 59% of medical and life scientists. Immigrants in our state pay $8.4 billion in federal taxes each year, and $3.5 billion in state and local taxes. 7,100 workers are Salvadorans or Haitians with Temporary Protected Status.

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