Co-Signed Loan Blocking Your Mortgage? Do This Instead

October 12, 2026

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David Ghazaryan

Owner / Broker / Banker

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TL;DR

As a co-signer, you are fully responsible for the debt, and any late payments can cause significant damage to your credit score.

Removing yourself from a co-signed loan is possible through refinancing or a co-signer release, but both options depend on the primary borrower meeting specific financial criteria.

You may be able to have the co-signed debt excluded from your debt-to-income (DTI) ratio by providing proof that the primary borrower made 12 consecutive on-time payments.

Read the full blog article here: https://www.iqratemortgages.com/blog/co-signed-loan-blocking-your-reno-mortgage-heres-the-fix

Video Transcript:

Your co-signed loan is not a favor; it's your debt. I am David Ghazaryan, and I fix this structural problem. One late payment can drop your score over 100 points. (Data may vary over time) We can exclude that debt with twelve months of proof. Lenders count their payment against your income, blocking your mortgage. Read my full analysis; find platform links in the description.

Read Blog Here: https://www.iqratemortgages.com/blog/co-signed-loan-blocking-your-reno-mortgage-heres-the-fix

David Ghazaryan

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