<prompt> Human: My husband is asking me to have my information filled out for a loan application. I have never had any loan so this is new to me. The loan company said I needed to fill it because we live in a community property state so they need me to filled the paperworks out so they can run a soft credit check to make sure my husband does not hide his debt in my name. The said paperworks say loan application on the very front page of the application. Am I co-signing a loan by filling this out? If I am, after co-signing this loan, can I still have a lawyer have postnuptial written that I would not like to be part of this loan?Assistant: From the information given, you are not just allowing your credit to get checked but actually co-signing. Also, you wont be able to get out of that.If I may ask: what do you need a loan for? Unless its an immediate medical emergency for which you have no emergency fund, the advice here will be to not take out a loan at all. Paying interest is throwing away money. If whatever the expense is can be delayed, save up instead of borrowing.Human: He is trying to get a mortgage. I am saving to buy a house without any loan at all, a mortgage is hundreds of thousands plus interest, the idea of being in debt until I die freaks me out so much.  <response>: It sounds to me like you two should probably get together and talk about what you actually want and do that. He wants to borrow money to buy a house now. You want to save until you have enough money to buy a house in the future. Those two paths seem like theyre at odds with each other. You would benefit from working on a shared strategy. 