---
title: Can my family assist me in qualifying for a mortgage?
description: "Yes, parents or family members can help you get a mortgage loan in the following ways— - **Co-applicant:** They can serve as a co-applicant by applying for the loan with you. This way, you can get a boost in your…"
url: "https://yazodo.com/help/mortgage-loan/can-my-family-assist-me-in-qualifying-for-a-mortgage/"
updated: "2025-11-30"
category: Mortgage Loan
tags:
  - "Mortgage & Home Loans"
  - Mortgage Eligibility Criteria
  - Salary Requirement for Home Loan
---

# Can my family assist me in qualifying for a mortgage?

Yes, parents or family members can help you get a mortgage loan in the following ways—

- **Co-applicant:** They can serve as a co-applicant by applying for the loan with you. This way, you can get a boost in your loan eligibility using their income and credit history. However, in such a case, both parties are responsible for repayment.
- **Down Payment Gift:**Your family member can gift you a portion of or a complete down payment gift, reducing the loan amount and possibly your interest rate.
- **Family Opportunity Mortgage:**This loan option allows a parent or a family member to help by co-signing the loan or giving money for the home. This type of loan often comes with better conditions or interest rates.