<prompt> Human: Hi Everyone,My mother and her wife are looking to buy a house, but the cost is just above what they could afford with the current mortgage theyve been offered.I was phoned this morning, and my mother has asked if I could sign my name so they could borrow more money to afford the property and has said I wont hold any responsibility for repayments etc.. Is this true? As much as Id like to help them obtain the dream home, I dont want to be tied to a mortgage or any such responsibilities at my age.Im not sure of the specifics and could use some advice.Thank you,LCKellow1994  <response>: You are fully and completely responsible for the payments if your mother does not pay for any reason or no reason at all. This is in effect taking out a mortgage yourself and you will not benefit in any way from it. think about it, surely there is a reason why the bank will not loan her the amount of money she wants, and it isnt just because theyre mean. 