Non Occupying Borrower Overlay HELP

[Hank Powell]

I am a non occupying coborrower, on a rate in term refi, attempting to purchase my first home.

The issue I am running into is lenders having an overlay requiring 12 months of payment receipts in order to dismiss this debt from my DTI.

I can provide written documentation that the occupying coborrower has taken responsibility for this debt.

I am looking for a lender that will signed documentation and payment receipts from the occupying coborrower proving that they are assuming the financial responsibility of the loan.

Can someone put me in touch with a lender that will lend based off this information?

Thank You!