<prompt> Human: My mom moved into a new house about 3 years ago, and the bridge loan she used to cover the old house and the new house matures in December. She got an appraisal on her house for a mortgage refinance, and she says she got low-balled about 20k on the appraisal. She has asked me to cosign on the new mortgage, saying shes about 115 salary short a month to get the loan but that she actually will have zero problem making payments. She started this in April when she DID have enough cash in her account, but since then shes taken out more than her usual allowance to help my brother with his car payments and other things when he was going through a hard financial time still going through...but he just joined the army so hopefully hell be able to pay her back soon. I just dont know what to do. Im recently married and although I cant purchase a home for a few years, Im working hard on my credit. I trust my mom to make the payments on time, but this still makes me so nervous. Partly because Ive never had a mortgage and dont really understand everything. I have a call with her banker tonight, and he told her that if she goes 12 months paying her loan on time that I can be removed as cosigner. Is that even a thing? None of the articles Ive read mentioned that as an option.I love my mom and she has never really asked me for money before. I know she needs this, and Im exploring another avenue of getting a personal loan to gift her the cash shed pay me back. I think that would be the best option, but Im worried that I wont be approved for a new personal loan as I just paid off 23 that I took out for my wedding no regrets - I had a solid financial plan for myself and knew I could - and did - pay off the loans 2 years early.I guess what Im asking...ugh what should I do? What are the consequences of this? Is being removed as a cosigner after 12 months an actual thing? Would I essentially own a house I dont even live in? I know this is running on and on but Im really nervous about this. Any help or advice would be beyond appreciated.EDIT: Thanks everyone for your advice! Deep down I knew the answer, but I really needed some outside, non-biased opinions to firm up my decision. I am not cosigning, and my mom thinks thats for the best. I did get approved for a small personal loan, but instead of gifting the money, Im paying off some cards and bills directly, so there wont be a problem legally. Mom gave me a years worth of checks to cover the monthly payments of the loan. Again, really want to thank everyone for your help! One thing I really want to add: the reason I am so eager to help my mom is that she was always so helpful to everyone when she had a steady income. After her husband passed and she was put on disability for injuries related to an accident, I really, truly feel that this woman who helped all her friends and family and 3 children plus 2 step-children so quickly and fearlessly, emotionally and financially, that she really deserved help on this.  <response>: Would I essentially own a house I dont even live in?Unless youre on the title, you dont own the house. Youd be responsible for the mortgage however wouldnt own any of the house. I know she needs this, and Im exploring another avenue of getting a personal loan to gift her the cash shed pay me back.The bank will see the money transfer and will ask you to sign a form saying it was a gift and that it will not be repayed. I dont see how they could catch you, but lying constitutes fraud. Is being removed as a cosigner after 12 months an actual thing?Im not familiar with this and doubt it is that simple. Im guessing they are saying that she would be eligible to refinance to get you off of the mortgage. That wouldnt work well because 1 Shed have to pay thousands more in closing costs and 2 If she doesnt qualify now, it is doubtful shell qualify one year from now.Having an active mortgage will affect you in the future when you try and buy a house for yourself. Your debt-to-income will be all out of whack. 