Bummer. Refinance charges? And the rates could very well be higher at that point in time. Home prices are low NOW. Mortgage rates are low NOW. That's life. It isn't your reponsibility to fix their mistake. Even if you help buy the house, the family member is going to have to refinance in a few years to remove your name from the loan. If the family member had checked his credit report in the last few years, this could have be fixed.
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