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Having a co-signer as a backup is a good idea if you re self-employed
In today s gig economy, I think a lot of people would be not-so-pleasantly surprised to learn it can be hard to leverage freelance income for a home loan.
For instance, what ended up being disqualifying for me was the short length of my self-employment history, even with a few years worth of tax returns on hand. I didn t realize my freelance income wouldn t be leverageable until my first conversation with a lender, which made it pretty nerve-wracking to have to ring up my dad and ask if he d co-sign on the loan. ....

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