Redfin

JUNE 10, 2025

You can buy a house with a friend or group of friends, as long as everyone can afford the mortgage payments and meet the lender requirements. In fact, it’s an increasingly common choice as housing costs rise and affordability becomes a bigger challenge for many people. It’s not just the mortgage you’ll share.

Purchase and sale agreement

Realtor.com

FEBRUARY 11, 2021

If you haven’t done so already, now is the time for each of you to come clean about any debt you may have, since that can make or break your ability to get approved for a mortgage. One of the things mortgage lenders look at when you apply for a home loan is your debt-to-income ratio.

Debt-to-income ratio

Windemere Buying

JULY 19, 2021

Co-buying a home is an alternative approach to homeownership where two or more individuals purchase the property together and take on a joint mortgage. Just like a traditional home purchase, lenders use the buyers’ debt-to-income ratios and credit scores to determine their mortgage eligibility and formulate the terms of their loan.

Tenancy in common