> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.padsfinancial.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Why do I need to add a co-applicant?

Co-applicants are considered co-owners of the property and are then subject to the same regulations and liabilities as the primary applicant.