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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

Learn how the CFPB can help you

A friend asked me to be a co-signer on a mortgage loan. What does that mean?


If you cosign a loan, you are responsible for the payments if the primary borrower does not pay. 

You are not just serving as a reference for the primary borrower; you are putting your own credit history and finances on the line. If neither you nor the primary borrower pay, it will hurt your credit score and history. You may also be sued for the debt.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.