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We've currently been renting for 5 yrs. now and all of the sudden my mom wants to buy a condo, she has been diagnosed with stage 5 cancer and we're not sure when she is going to pass, she wants me to cosign for her on this house but im scared if something happens to her i'm not going ot be able to make the payments by myself (I live in knoxville, TN) what should I do?
Yes - a cosigner guarantees the loan if the borrower doesn't pay. If your mom passes, her condo and other property would be distributed according to her will or estate plan (I hope she has one).
As others have already said, this is a bad idea. You are stuck with the bill. Since she is not your spouse, you are not responsible for any of her bills. Yes, you will get phone calls and even be threatened maybe, but resist everyone. YOU ARE NOT LEGALLY REQUIRED TO PAY A DIME OF HER BILLS. Once you start, you are on the hook. Only her spouse is. So stay really far away from this. She is kindly trying to give you something and that is the thought behind this. Consult an attorney should you have any questions. Invariably they will want her to have a Will. That is Canton in some situations, but not in others. CPA would be a good idea. Probate which is a court situation, invovles the attorney and thye want your money. So If you or she are very limited, do not have a probate procedure. Most states say that the attorney is paid FIRST by law, then every one else, then the court, then any relatives. Sounds more like a money making ploy for an attorney. Just do NOT ever co-sign for her.
Yes, the cosigner would be responsible for the payments. Now if she got insurance to pay the mortgage of if she passes, then the insurance would take care of it. I don't want to sound rude, but with stage 5 cancer, she most likely will not be able to obtain the insurance. Sorry to hear of your mothers condition.
If you are a co-signor on any kind of loan you will be responsible for the payments if the signor cannot pay. You have 3 options if your mother passes away: 1. Sell the condo, rent it out or get another roomate. 2. If you are the co-signor make sure you also take title "with right of survivorship."
I think everyone's said it already - yes, you will definitely be responsible. You would also be responsible even if you didn't co-sign and your mother left you the condo in her will - I know, that happened with my father and I wound up having to sell it at a loss. Sorry to hear about your mom and best of luck to you. Suzy
You need to make sure you can pay the note if she dies. If you are co signing I am sure they want proof of income from you. If you are on the Security Deed you will required to pay. YOu may wan to may sure you are on the warranty deed with the right to survivorship.