<prompt> Human: Long story short, my family has been looking for a home for years and we almost had our dream home early this summer. Deal fell thru because for some reason they just noticed a school loan my brother took up a year ago when they did the final credit check before closing on the house... everything was signed and ready but...Anyway fast forward to now and the entire time we been looking for a car, weve been hauling a tin can of a Civic for years, it finally pooped on us and now we have no vehicle. I know when your looking for a house you cannot put anything on the report for liability, so a car was always out the question but now we may be forced to do so. I am thinking of putting myself as a co-signer to help with the chance of getting a better more reliable loan to balance out the credit hit from the car.My question is guys is how should I see my input in putting myself as a cosigner affect the loan, my credit is average while the real signer has good credit and a better job. Can my name make a difference? Will financing a car kill us? Would leasing be better? Feel free to ask me questions, your the best reddit!Details:Mother has been looking for a home with 40k job w no major expense - Rent 900 - Utilities 500 - Food and Clothing 600Has good credit in the mid 700s with no major debts until recently from a disastrous vacationBefore she fell into credit card debt about 5,000 she was approved for a mortgage off 200k, which was later rejected because of school loans for my brother which came from last year equaling 20k which she co-signed and were deferred until after he graduates. First off we were very deep into the closing of the home, contract signed, deposit finalized, move-in due date set days away. I understand they have to do a final credit check before the actual closing but these loans were issued months almost a year ago, we assumed they should have seen these and we communicated this with our broker as well. Is this ethical? Normal?Anyway she cosigned another year of tuition 10k and put 5k on a credit card from vacation. Now we need a car and I cannot use my name for a month at least and we wont rent, we been renting way too much lately, money down the drain.On the plus side I am deciding to put my name on the mortgage and cosign, I have a mid 600s score with a 20k job. About 5K in credit card debt of my own but thats about it, just a 800 rent. I also received a very good job offer that may double my salary but I am worried because I heard changing jobs while getting a mortgage is bad as well.Guys what would you do with this whole situation, would you get a car? Can I accept the job? Id love to hear your thoughtsEdit: Added Details  <response>: You have zero financial data in this post, so expect no real responses. 