Is there any way to add another person's...

[mikesokay]

...income in a mortgage application without them being a co-applicant? Hello...
I will be prequalifying for a mortgage in February. I have very good credit but don't make enough money for me to qualify for the mortgage amount I want. The person that will be living with me and helping to pay the mortgage has terrible credit, but if we could combine our incomes we could get the house we want. Is there any way of having both incomes and only my credit considered? The other person is not a spouse and I am planning on applying with Bank of America. Maybe someone who was in the same situation can help. Thanks in advance

[joy]

NO , you can't include income from someone Not on the app .
In order to qualify that income , the person needs to assume the debt obligation also , which means they have to sign their name to the loan contract .

What you are perhaps thinking of are the 'stated income' or 'no documentation' loans ,
Those lenders are in bankruptcy , an not many of the ones left standing are crazy enough to bite into that again .