48-year-old mother forces 18-year-old son into co-signing the mortgage on the house she's buying with her boyfriend, using money meant for her son's college fund: 'My dad gave me 1k for school and she’s using it for the down payment'

18-year-olds should not be financially responsible for their parents' mortgage under any circumstances.

There's a big difference between an 18-year-old helping their parents pay their rent and putting an 18-year-old's name on a mortgage that they'll be responsible for for years. A lease typically only lasts a year or two, so hypothetically, a young person could live with their parents until they're 20, help pay the rent, and move out once they can afford to take care of themselves. With a mortgage, you expect that you're going to live in the house for more than a year or two, and you can't just back out of a mortgage as easily as you can break your lease. All parties on the mortgage have to agree to sell the house before you can get rid of it. With a lease, you can at least work something out with your landlord, like subletting your place or finding a new tenant. But if your name is on a mortgage and the other people on the mortgage refuse to sell the house, you're still responsible for paying for it, whether you like it or not.

Author image for Emmy Pratt Emmy Pratt
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