<prompt> Human: My mom is unable to get her own house due to bad credit and low income. She currently works full time at Wal mart and has yet to miss a rent payment. Currently, she rents a duplex with a roommate who pays half, but her landlord has stated there will be an increase in rent after December when her lease ends which is why she does not want to renew. She has asked me to be the cosigner on a mortgage for a house. I am 23 years old, currently working full-time and attending college part-time. I have taken care of my credit for the past years and have been careful to build it up. With our incomes combined we make 55,000 a year with her income being: 18,000. She states that her current roommate will also be moving into the house and renting a room. I am the youngest of three brothers, but they are unwilling to help I have not asked them why. My father passed away in 2009, and I feel as if I have to take care of her since none of my brothers want to help. She has told me that will she will continue to keep working to pay the house for the next 30 years. None of us have enough saved to put 20 down. I do not plan on living in this house anytime in the future. I am concerned about how this can impact my financial future. I am struggling because I want to help my mother. She has begged me for this, and I do not have the heart to tell her no. All of my family has told me this a good decision. My current long-term girlfriend is concerned for my future as well. I would appreciate any advice on this situation. Also, how will co-signing a mortgage affect me when I want to buy a house for myself and future wife?  <response>: Do this and you will regret it for a long time. These situations never end well 