21-year-old daughter refuses to co-sign dad's mortgage for a new house, despite his claims that he won't take money from her, mom takes dad's side: ‘Your distrust in dad is unfair’

Author image for Bar Mor Hazut
Bar Mor Hazut • Senior Editor
Aug 15, 2025 4:00 PM EDT

When you are young, you might be naive enough to believe that when you grow up, your parents will be there to help you financially with every big milestone you are supposed to hit–buying a car, paying rent in your first apartment, and even buying a house. You used to think that since your parents got such a big head start with saving up, they would be able to pay for everything you might need, even as an adult.

In reality, the situation is often the other way around, as illustrated in the story below.

This 21-year-old daughter was asked by her father and brother to co-sign on their mortgage for a new house. Since she knew that neither of them was financially responsible, and after she had already helped them quite a lot with bills and everyday expenses, the daughter was hesitant to agree. When she told her mom about her concerns, her mom responded harshly, accusing her of being unfair to her father.

Safe to say, these parents are not the type who are there for their kids, but will their kids be there for them? Keep scrolling to read the full story and find out.

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    Cheezburger Image 10537664768
    via kate_sept2004

    The image does not depict the actual subjects of the story. Subjects are models.

  • 02

    AITA for not co-signing a mortgage agreement for my parents?

    I (21f) have been asked by my parents to cosign a home mortgage worth 200k with my brother (22m). For context, my
    via OkChampionship4457
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    dad and brother lives 3 hours away from my mom and my other siblings because of work. I live in another province for military posting reasons.
    via OkChampionship4457
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    My dad and brother are currently paying rent, and they're looking to buy a house. However, my dad has filed for bankruptcy
    via OkChampionship4457
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    and my brother has only been working for 3 months at his new job so he might not get approved. That's why they
    via OkChampionship4457
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    need me to co-sign for my name and ID. They told me I won't be paying anything because I wont need to put my banking
    via OkChampionship4457
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    information. That my brother and dad will pay it and i just have to act as a cosigner.
    via OkChampionship4457
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    This is my first time doing. something like this, especially taking in a big commitment such as a home that I won't even
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    be living in. So naturally I started researching about it. I learnt that if my brother fails to pay it off on time and what not, I am financially responsible
    via OkChampionship4457
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    for it. I asked my mom questions of what it would mean for me to co- sign. I'm pretty hesitant because of my dad's past history of being in debt.
    via OkChampionship4457
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    She did not take it well. She said why am i thinking negatively of things, if i really loved my Dad i wouldn't even think
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    in this way and just say yes. I told her it's because i want to think of things realistically and don't want to be in debt in case my brother can't pay things off.
    via OkChampionship4457
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    NOLIN. TION MORTGAGE APPLIC
    via kate_sept2004

    The image does not depict the actual subjects of the story. Subjects are models.

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    She said that my distrust in my dad is unfair. And that this is the only help i'll be giving towards my family and I can't even do
    via OkChampionship4457
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    it. (mind you, im paying for my mom and siblings' house insurance, my mom's phone bill, and other miscellaneous things that they need money for).
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    Now she said she doesn't want me to do it at all because of how i reacted. AITA?
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    TalkToHoro NTA. If you cosign a loan, it is YOUR debt. You are fully responsible. Your credit
    via TalkToHoro
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    rating and ability to borrow money for yourself in the future will reflect that. Don't do it, period.
    via TalkToHoro
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    Apprehensive-Gur-551 NTA - Do NOT cosign EVER, family or not. Kudos for doing your research, Do not fall for the guilt trip.
    via Apprehensive-Gur-551
  • 20
    Thriillsy "If you really loved x, you would do it" If they really loved you, they wouldn't make you do
    via Thriillsy
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    something you're uncomfortable doing. NTA, do not cosign for them.
    via Thriillsy
  • 22
    Sylvanago NTA! Personal Global Investor here!! DO NOT DO THIS!! Even when married, have a prenup written for properties!!! AND WITH BL OD FAMILY, DO NOT GET A MORTGAGE WITH THEM!
    via Sylvanago

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Tags

family drama aita kids brother mother siblings buying a house reddit story parenting mortgage loan family sister Reddit money women parents children Father
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