首先您需要了解一個問題,在某些州提供不實的資料以取得一個房屋貸款本身就是一個犯罪的行為,建議您看一下這個資料(提供不實的收入資料原則上是 committing fraud)
至於co-singer 的問題,建議您看一下這個資料
http://www.professorshouse.com/your-home/real-estate/getting-a-cosigner-mortgage.aspx
請特別注意這段話.
Typically, a co-singer can only be used in order to increase the amount of money that a potential buyer can receive in the mortgage. That is to say, a co-singer will not help to overcome situations in which credit is the issue (lending agencies always look at the lower of the two credit scores to determine credit history, so a co-signer with a good score will not cancel out bad credit)
同時您的朋友應該仔細考慮他個人的責任的問題.
最後個人會建議您讀一下這個資料
http://www.mortgageloan.com/can-cosigner-help-you-qualify-mortgage
