How Many People Can Be on a Home Loan? Your 2025 Guide

How many people can apply for a home loan together?

This guide explores the concept of joint mortgage loans where two or more individuals share responsibility for a home loan. While there's no legal maximum number of borrowers, most lenders cap co-borrowers at four due to software constraints, with manual underwriting occasionally allowing up to five GO Mortgage. It explains different ownership structures (such as sole ownership, joint tenancy, and tenants in common), outlines qualification requirements (like credit scores, debt-to-income ratio, down payment, and employment), and clarifies the difference between co-borrowers (on the loan and title) versus cosigners (on the loan only). The post emphasizes the importance of trust, clear financial planning, and legal advice when entering a joint mortgage arrangement