> For the complete documentation index, see [llms.txt](https://underwriting.homium.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://underwriting.homium.io/eligibility/borrower-eligibility/guarantors-cosigners-and-non-occupying-co-borrowers.md).

# Guarantors, Cosigners,  and Non Occupying Co-borrowers

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<summary>Guarantors and co-signers are credit applicants who:</summary>

* do not have ownership interest in the subject property as indicated on the title;
* sign the mortgage or deed of trust note;
* have joint liability for the note with the borrower;
* do not have an interest in the property sales transaction, such as the property seller, the builder, or the real estate agent

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<details>

<summary>Non-occupant borrowers are credit applicants on a principal residence transaction who:</summary>

* do not occupy the subject property;
* may or may not have an ownership interest in the subject property as indicated on the title;&#x20;
* sign the mortgage or deed of trust note;
* have joint liability for the note with the borrower(s);
* do not have an interest in the property sales transaction, such as the property seller, the builder, or the real estate agent

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There are no restrictions on a Homium second lien for borrowers with Guarantors, Cosigners or Non Occupying Co-borrowers.