<prompt> Human: Deets:Location: Los AngelesWife and I currently have about 20k in credit card debt all 0 APR through 2017, and about 18k left on a 5 year 0 APR car financing deal. Combined AGI is about 140k, and have we have about 19k in liquid investments 12k in equities, 7k in a Roth IRA.Currently we are paying 1900m in rent for an apartment neither of us like. Our goal was to focus on paying off all our credit card debt by the end of the 0 period next year, and then start saving agressively for a downpayment. Im confident we can do that. I just got thrown this wrinkle though: My mother was just offered a deal through her bank for a 300k HELOC on her home at a rate of 2.4 the first year, and then a fixed rate of 3.05 after that. She has offered to lend us up to 150k of that amount for a downpayment repayable to her at the same interest rate. I dont think we could get a rate that good anywhere else, plus we wouldnt have to apply for it. She could literally write us a check, we could then leverage as a down payment. We would still have to get a mortgage for the balance. I dont think we would look at anything over 400k.I guess my question is, should we take advantage of this or should we hold off a few more years?Sorry if I forgot to add any pertinent deets. Thanks!  <response>: Absolutely not.You are not ready. Dont jump the gun and throw your parents in the mix of your loans. I dont care how good of an opportunity it is. There will be plenty of more when you are ready to do it.Thank her, decline, move on. 