Yes, one person can be the main repayment person, and the other person needs to provide a letter of commitment. If the borrower can't continue to pay the house payment, the other party needs to bear the same repayment responsibility, or they can be the same borrower when applying for a loan. To handle this procedure, you need to handle the notarization of shares, just go to the notary office. A few hundred dollars, indicating the proportion of each person. After the property right is registered, the house will be issued accordingly.