have co-signer, then assume mortgage

[Anonymous]

I knoow FHA loans allow for a non-occupying co-signer.

I also know that FHA mortgages are assumable.

Say I buy a home with a non-occupying co-signer and then in 2-3 yrs I'm in a position to qualify on my own. 

Could I assume the that mortgage?  (I know I could refi if I'm in a good financial/crediti position then but I'm assuming rates will have gone up in 2-3 yrs and I would want to keep the rate I locked in orginally.)

Is FHA pretty much the only way to have a non-occupying co-signer?

Will that drive up my rate on the FHA loan?  I understand FHA rates are not the lowest anyway...

[Anonymous]

bump....   

thanks for any input from mortgage-knowledgeable members

[Anonymous]

I could be off base here, but I don't think you can just assume your own mortgage.  It hink you would have to refi.