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good morning its chadsey from see real estate here in Richmond Virginia today Id like to talk to you about co-signing co-signing for loans specifically mortgage loans and over the years Ive seen people ask for co-signers Ive seen people step up to be co-signers there are pros and cons its a very personal decision as to whether or not youll ask someone to co-sign for you or whether or not you will agree to co-sign for someone else and the way Ive seen it work out over the years is that sometimes well have a buyer who because they have had a recent blemish on their credit report their credit score has not come back up to the level that would qualify them for financing sometimes a person maybe they havent been on their job long enough or theyre self-employed and they they dont have two years worth of tax returns to be able to to show that they can afford the house but theyre confident they can and sometimes people like that will turn to a friend or a family member and ask the