Shelly Payton Hayes, Realtor Associate

06/03/2026

04/14/2026

DID YOU KNOW? 💡

Thinking about buying a home but need help qualifying? There’s an option you may not know about…

🏡 Non-Occupant Co-Borrowers!

A non-occupant co-borrower is someone who helps you qualify for a home loan without living in the home.

They:
✔️ Help strengthen your loan application
✔️ Are on the loan AND the title
✔️ Do NOT have to live in the property

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🔍 Loan Guidelines You Should Know:

❌ VA Loans – Not allowed
❌ USDA Loans – Not allowed

✔️ Conventional Loans – Allowed
✔️ HUD-184 Loans – Allowed (follows FHA guidelines)

✔️ FHA Loans – Allowed with conditions:
👨‍👩‍👧 If they’re a family member → Approved
💰 If NOT family → 15% down required
🔗 If buyer is related to seller (Identity of Interest) → 15% down required

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📘 What This Means for You:

This could be a game-changer if you:
✨ Need help qualifying
✨ Have limited income or credit challenges
✨ Have a family member willing to support your homeownership goals

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📲 Let’s Talk Options!

Every situation is different, and I can help guide you through what works best for YOU!

Shelly Hayes, Realtor
📞 405-413-0495
🏡 The Realtor You Can Rely On!