Help for Loan Co-Signer

Regarding “Son Should Refinance to Release Mother as Co-Signer” by Robert J. Bruss (Nov. 4): Assuming her son makes the mortgage payments, a simple solution would be to have her son provide her with copies of at least six month’s canceled checks for the mortgage payments.

Most lenders will accept this as proof that the mother is not responsible for making the payments even though her name is on the mortgage and they will not count the debt against her when she tries to qualify for a mortgage of her own.

SANDY EDELSTEIN

Los Angeles

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The writer is a mortgage broker.