<prompt> Human: Essentially as topic title. He is hard up for paying the mortgage, as its an adjustable rate, but he hasnt missed any payments thus far.All told, weve worked hard on getting my wifes credit in the mid-upper 700s, last we checked for a car loan it was sitting at 756.We pretty much know the answer, but is there anyway that anyone can think of that we could salvage this relationship by finding a loophole somewhere that makes her ineligible to cosign something like this? Wed honestly rather see her take out a personal loan or something and pay interest for a couple months as an out.  <response>: If youre looking for an excuse, say that youre looking to buy a property at some vague future time and have been advised by the mortgage agent at your bank that cosigning this loan would hurteliminate your ability to get a loan for your own house. 