<prompt> Human: So, here we go. Im 20 years old and i work as a developer making 60k a year, and have no plans to buy a house just yet. I still live at home but the place weve been renting for 2 years is being sold so we have to move out and this time were looking to buy a house.Only problem, my mom has no credit whatsoever, so she doesnt even come close to qualifying for a mortgage in any way. She wants to use my, rather good, credit for paperwork and have my name on the mortgage and everything so we can actually qualify for something, which at first I felt willing to do but now im really scared of doing this.Note that my mom has never missed a rent payment in my entire life, but she has been out of a job for over a year and things have been tight around here. Also she wants me to ask my boss to reference me as having worked their for 2 years, even though Ive worked their for less than half of that. I dont know that I want to go through with it, it seems really sketch and I dont know if im ready to be on the line for so much... Maybe im just being paranoid, what do you guys think of the situation? Assistant: First off youd be lying on the loan application. Incredibly dumb, Im sure it happens all the time though. Second, it is never a good idea to do anything with family to this magnitude. Okay not every time but generally. What happens if you get this big loan and she dies the next week, or becomes permanently disabled and cant work. You have to understand that if you do this you may be responsible for paying it.Thirdly, if you are already uncomfortable with it you just need to be honest with your mom. Just tell her you do t want to do it but youd be happy to help find her other living expenses or help her if she needs it.Human: Thats really one thing im not super comfortable with is lying n a loan application. And that was a huge fear of mine is that if she is unable to work im on the line for the whole thing and I dont even plan on living here with her a year from now, so im pretty much just keeping my name on it while she pays for everything, but if she cant pay for it I have to and I dont have the money for that. When I came to her with those concerns she got pretty defensive because This is only going to be good for me, because I will look like a home owner on paper which I guess is true but I dont know it just doesnt feel right.  <response>: This is only going to be good for me, because I will look like a home owner on paper which I guess is true but I dont know it just doesnt feel right. How will looking like a home owner on paper be good for you? All the risk, none of the upside. If you do decide at some point that you want to buy your own house, the banks will see you already have a mortgage, which will look bad on your application, not good. Also she wants me to ask my boss to reference me as having worked their for 2 years, even though Ive worked their for less than half of that. As for the lying about the job thing... the mortgage company will ask for your last two W2s as part of the application process. Even if you could get your boss to lie for you which I doubt theyd do, the lack of W2s will make it pretty obvious that you arent telling the truth.Listen to your gut and put an end to this discussion. Its just a terrible idea. Tell your mom youd be happy to help her find a new place to rent, but thats it. 