<prompt> Human: Hello Redditors, as the title says, my mom wants me to cosign her mortgage.a little background my family and I moved to the US 7 years ago, and like everyone else, weve had to work our way up and establish credit. Well, my moms credit is great 750 mines not so much 680 ish. The only reason she wants me to cosign the mortgage is because of my income. I make 60k a year but I dont live with my mom, in fact, she is married her husband works, makes more money than me a year but he is undocumented so his income doesnt legally count and she works but she only makes about 13k a year and she wont get pre-approved with that income.I live with my girlfriend and our 9 months old son and we would like in a near future a year or year and a half to purchase our own little home. Im not worried about the payments. My mom and her husband will pay the mortgage on time; they are very responsible I would just like to know how that would affect me on purchasing my own house in the near future.  <response>: I live with my girlfriend and our 9 months old son and we would like in a near future a year or year and a half to purchase our own little home.Having your moms mortgage in your name is going to affect your ability to get a mortgage for yourself the future. I recommend against it for that reason. Next 2 years when you are ready to purchase a house, how are you going to prove to the bank that you can make 2 mortgage payments on your current income? Your mothers husband and his income doesnt exist to the bank. If you fess up and tell the bank what you did, then you lied in the past, committed fraud, why would they believe you now? In the eyes of the bank, you are on the hook for your mothers new mortgage which still has a while to pay off. They are not going to give you another mortgage.Just tell your mom that you are planning to buy a house in the future and you cant do it for her.Some other reasons are - hes illegal, what if he loses his job? what if he gets deported? You are on the hook for the mortgage. 