What happens if my co-borrower withdraws our application? Can I apply again by myself?

If your co-borrower withdraws your joint loan application, you’ve still got options!  You can re-apply right away with a different co-applicant or you can apply by yourself.  Just keep in mind that if you were declined for an individual loan before applying with a co-applicant, then you’ll need to wait at least 30 days after the date you were declined before re-applying for an individual loan.