But I don't think it is too late at all to add your husband as a co-signer. They probably have not even opened your application yet.
Look over which forms would change if you have a co-signer. It might only be one. Fill that one out again, have your husband sign and then send that in with a cover letter stating your file number and that you are adding your husband as a co-signer.
Look over which forms would change if you have a co-signer. It might only be one. Fill that one out again, have your husband sign and then send that in with a cover letter stating your file number and that you are adding your husband as a co-signer.