<prompt> Human: Hi rpersonalfinance, just looking for some advice as well as an explanation of any risks I may be incurring. Im a 23 yr old engineer with my finances in order albeit some student loan debt. My FICO as of 627 is 803. My mother asked me if I could help her out in purchasing a home, saying that it wouldnt affect me in any way in the future as I would be considered a non-occupant. Im at work right now so I cant spend too much time researching what that means, but a quick 5-minute search leads me to believe I will essentially be a co-signer. The biggest red flag there is I would be responsible for mortgage payments if anything ever prevented my mom from making them. I am a bit OCD about my financescredit so Id like to know what all is involved before I jump the gun and go ahead with it. Thanks !  <response>: Shes most likely asking you to co-sign and youll be 100 on the hook if anything goes wrong. If you consider that to be a risk, dont do it. 