Can a child be added to a mortgage if they are paying the mortgage, utilities, insurance etc?

Sorry, but no. You cannot add someone to an existing mortgage. This will also prevent him from earning any credit bureau benefit from making the payments, because he is not the borrower. To get him on the loan so he is the primary responsible party, you will need to refinance, and he would have to qualify. There are conventional and FHA loans that allow for a non-occupant borrower. Essentially, you would act as a co-signer for your son. The lender looks at both of your Credit, Income and expenses, in the similar way they would look at the credit, income and expenses of a married couple. If between you the two of you, your Debt-to-Income ratio meets the criteria and you each possess at least the minimum credit score for the program, approval with your son as the primary borrower could work. I'm Licensed in California, so give me a call. ~ Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ Licensed in Arizona, California, Georgia, Oregon, and Washington. Need help in other states? We've got you covered. NEXA Mortgage is licensed in 46 states ~ www.ApplyYes.com 480-889-9000.