<prompt> Human: House was probably 190-200k. Roughly half of it is paid off.Little bit about my mom: Shes not good with her finances to put it blatantly, which is why the houseloan is currently under my aunts name and my mother mom has bad credit. I know this isnt exactly a personal finance question, but if I let it transfer in my name, could it possible affect my credit score, or future loans I would want to take out for a house or car? Or would this be a good investment because later down the line theres a strong possibility I could inherit this house and pay off the remaining 40-50 off.Note: Age: Im in my mid-20s recent graduate and about 1-3 months away from starting my IT career. 40k in student loans. I would not be able to take over payments or occupy the house for at least another 2 years until I get on my feet and trying to make a dent in my loans.  <response>: Honestly dont think your mom can do this. she wants to sell you the house with an active mortgage. The Mortgage holder wont allow that without the mortgage being paid off or a new one with your name on it being opened. Issue being is now if your mom declares bankruptcy, the bank cant take the house since she doesnt own it, you do.but assuming I missed something and this is able to go through, as long as the loan isnt in your name, it wouldnt affect your credit score. They actually wont even know its the same as if you bought a cheeseburger, no credit no care. However, if you put your name on the mortgage and the house - then it will affect everything.Honestly, Id probably not do this. If your mom is bad with money, I wouldnt want to start trying to mix your financial life with hers. 