Did you know Fairway no longer requires that non-related borrowers be on separate applications and credit reports?
If the borrowers wish to apply together, they can now be listed together on the 1003, as long as the credit report is pulled together. On the other hand, if the borrowers wish to be on separate applications, they can do so as long as the credit report is pulled separately.
Note: If a borrower is subsequently added to the loan, you do not have to pull a joint credit report. A new individual 1003 is acceptable, along with a separate credit report for the added borrower
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