<prompt> Human: How would something like that work, just co-signing the mortgage loan? We will be going into a bank to discuss the particulars and see what we qualify for but I would like to go into it with at least some partial knowledge.Assistant: Co-signing isnt a vote of support, its an agreement to pick up the slack if your brother stops paying. If his credit isnt worthy of a mortgage, which Im inferring from your request, theyre going to assume it will fall on you, and your income Im inferring is not sufficient? In that case I suspect it wont fly, or your rates will be horrible. Human: My low income plus his high income, and my good credit plus his bad should be a decent middle ground, no? I dont really understand how it works, hence the post.  <response>: They want high income and good credit because they want someone who has the money, and will give it to them reliably. He has the money, but statistically speaking, is not as likely to pay them. Youre likely to pay them, but you dont have the money to pay them, and from the banks perspective, there is no reason to assume you can get the money from him, and a lot of reason to assume you cant.Co-signing is essentially saying I will take on the responsibility if this person does not., and you cant do that yourself. 