<prompt> Human: My mom is 55 years old and looking to buy a small cheap house 90k. She currently rents an apartment and constantly has to jump around to avoid rent increases. She currently pays 715 for rent and is looking to pay something around 600 for a mortgage. She makes roughly 15hour and has no debt. I was thinking i could cosign for her but, I think this might make it hard for me to buy my own house in the near future. Im wondering what options there are for my mother to be able to purchase a house? Im fully aware that she will not be able to make the mortgage payments by herself as she gets older. My sister and I plan to take over the mortgage once my mother cant. Fortunately my sister and I have 6 figure salaries and are pretty good with money in general. Anyway, what options are there for my mother to purchase a house? She has a decent credit score 700ish. Should i cosign for her to get a loan? Would she be able to get the loan on her own?  <response>: Absolutely not.You lock yourself out of buying your own house, you must pay if anything happens if she cant, there are a ton of housing expenses on top of a mortgage taxes, maintenance, etc...The only good reason to do this is to help mom and feel food. There are countless reasons this is a bad idea and tons of similar threads in the subreddit.Never co-sign for someone if you wouldnt just buy it outright and gift it... especially never co-sign a mortgage. 