<prompt> Human: My father and step mother want me to buy them a house and they make the mortgage payments. My father was diagnosed with lewy body disease and can no longer work. Over the last 3 years hes lost his business and most of his assets along with most of his savings and credit on medical bills. He just finally got qualified for disability. They sold their house last year and took a 20k loss on it. They are currently renting and paying 1900 monthly in rent and utilities. So heres the rough break down just got a brief rundown for nowhis credit score is around 400 and hers is sub 600. Disability income is around 1200 a month. She makes 50k a year before taxes and im not sure of her debts. He has 25k in debts in medical and others, plus a vehicle debt, 400 a mo. payment around 20k on that. They found a house for 150,000. They found a FHA 30yr loan that would require only 6,000 down and a hopefully low interest rate. Their monthly payments would drop significantly from renting and theyd be in a house. I have great credit, and make good money but would not want to be stuck in a position of making those payments if something happened. Im 25, run my own business. Pretty much they just want to go through me so they can get approved and at a low interest rate. Are they any negatives to me, so long as they keep up the payments? Any other options they have? I know nothing at all about this and just looking for any advice. Thank you.  <response>: Advice? Consider what you are doing a gift. A very big gift. If you are on the title, you are responsible if they stop paying. 100 responsible. As such, you have to be comfortable knowing that at any time you could be fully responsible for their mortgage, because if they stop paying you are the one who suffers.Never lend to family. If you arent okay with the total amount being a no-strings-attached gift, do not do it. 