<prompt> Human: Ive been the primary source of income for my family for the past 5 years. I still am. Ive been a contractor that whole time which means sometimes Im not working. This has kept my family from our grand plan of saving money down for a house.We are fed up with apartment life and are planning to buy a house with nothing down not the best option, I know.I know extra expenses will come up during and after closing on the house. The home loan is on my credit only wife score is low 600s, mine is much higher. Im thinking about having the wife try for a line of credit from the bank to handle additional expenses. If necessary, Im pretty sure that I can co-sign for her. Ive gotten pre-approval from two different banks on the home loan and Im asking for about 25K less than they are willing to loan me.What are your thoughts? Im kinda clueless here and really need some help understanding the pros cons.  <response>: This is a terrible idea. Rent a larger space if youre tired of living in an apartment, but if you cant afford to buy a home, theres no magic wand thatll provide you with the money you need. 