Co-signer is a person who is obligated to pay back the loan just as the borrower. Co-signer could be the borrower's spouse, parent, or friend. Mortgage lenders cannot require borrower's spouse to be a co-signer unless both are applying for the loan.
Stem Lending is a mortgage broker, helping home buyers comparison shop for their mortgage. Currently available to home buyers in Colorado, Connecticut, New Jersey, Pennsylvania, and Virginia. NMLS: 1648699