<prompt> Human: I helped cosign for a family friends mother so she could refinance two loans for two houses because she wanted to get her ex-husband off the loan. She has owned both houses for 15 years, there is 200k of equity in each of the houses. They have had renters in the homes for the past 15 years who pay the mortgage. I trust that they should be able to pay the mortgage because they have been doing so regularly for the past 15 years. I have put no money into the houses, and have no interest in getting any profit from it. I only received 2k from her for being a cosigner. Initially when I cosigned back at the end of 2015 she said she can get me off of the loans in 2 years.Now its been 2.5 years, she plans to have either her kids or new husband cosign a refinance with her, but at this time she doesnt want to refinance because the interest rates are too high. Now she is asking me to sign a quitclaim and promises to get me off the loans once the interest rates go down.I am not worried about her not being able to pay the mortgage. I have also spoken with loan officers who stated that if she provides proof that she has been the only one paying the mortgage or if she provides the rental information that it shouldnt affect my income-debt ratio when I plan to get my own loan. She does a lot of real estate with renting and flipping houses. She told me the loans should be good for my credit because it shows I have consistent payment on the loans.When I told her I dont feel comfortable signing it she got upset and said she will just refinance despite the high interest rate. She has a history of severe anxiety, so I dont think she feels comfortable with me being on the title. I feel bad not signing it because now she feels the need to refinance, and this would negatively affect her. I also feel guilty because everyone keeps telling me its not harming me being on the loan, and that being on it would help my build my credit. Im worried about how not signing it would negatively affect our relationship. Now Im thinking about just signing it, she said she would give me another 2k to sign it. My question is if you would sign the quitclaim in this situation.Edit: I told her I will sign the quit claim when she refiances to get me off the loans. She said she will refiance one of the loans, but plans to just pay off the second loan. She wants me to sign the quit claim for the second loan so she can just pay it off without having everything go through me. Would I need to sign a quit claim to make it easier to pay off the loan?  <response>: If she didnt want everything going through you, maybe she could have obtained her own financing without a co-signer. She wants it both ways - total freedom over the property, but help in paying for it. No way, she needs you way more than you need her, and there is absolutely no reason for you to sign a quitclaim until these loans are resolved and you have no possibility of financial harm from them. As it is now, you could sign the quitclaims and she could stop paying and youd be screwed. Never trust someone who the bank told NO, she had no business taking those loans in the first place, the bank realized it, you didnt. Now youre seeing why she shouldnt have had them, especially since it sounds like she cant really get refinanced without more co-signing help. 