Mixing_VVG Money_NN1 and_CC Family_NN1 AS_CSA some_DD New_JJ Yorkers_NP1 try_VV0 to_TO take_VVI advantage_NN1 of_IO a_AT1 slowing_JJ real_JJ estate_NN1 market_NN1 ,_, they_PPHS2 're_VBR seeking_VVG loans_NN2 from_II lenders_NN2 whom_PNQO they_PPHS2 have_VH0 n't_XX borrowed_VVN from_II in_II years_NNT2 :_: their_APPGE parents_NN2 and_CC other_JJ relatives_NN2 ._. 
These_DD2 buyers_NN2 are_VBR n't_XX people_NN who_PNQS lean_VV0 on_II rich_JJ relatives_NN2 every_AT1 time_NNT1 they_PPHS2 need_VV0 cash_NN1 ;_; in_II fact_NN1 ,_, most_DAT of_IO them_PPHO2 said_VVD they_PPHS2 had_VHD never_RR asked_VVN for_IF help_NN1 in_II their_APPGE adult_NN1 lives_NN2 ._. 
But_CCB banks_NN2 have_VH0 tightened_VVN lending_VVG standards_NN2 so_RG much_DA1 that_CST if_CS the_AT would-be_JJ buyers_NN2 do_VD0 n't_XX ask_VVI for_IF help_NN1 ,_, they_PPHS2 will_VM either_RR have_VHI no_AT chance_NN1 to_TO buy_VVI ,_, or_CC stand_VV0 to_TO lose_VVI down_JJ payments_NN2 already_RR made_VVN or_CC mortgages_NN2 already_RR negotiated_VVN ._. 
Financial_JJ advisers_NN2 say_VV0 they_PPHS2 are_VBR fielding_VVG many_DA2 more_DAR calls_NN2 than_CSN usual_JJ from_II clients_NN2 asking_VVG which_DDQ investments_NN2 to_TO tap_VVI into_II to_TO help_VVI their_APPGE sons_NN2 and_CC daughters_NN2 and_CC what_DDQ the_AT tax_NN1 implications_NN2 will_VM be_VBI ._. 
Mortgage_NN1 brokers_NN2 ,_, too_RR ,_, are_VBR spending_JJ hours_NNT2 talking_VVG to_II their_APPGE clients_NN2 '_GE relatives_NN2 about_II lending_VVG money_NN1 and_CC becoming_VVG guarantors_NN2 ._. 
"_" It_PPH1 's_VBZ happening_VVG more_RRR and_CC more_RGR often_RR ,_, especially_RR because_CS banks_NN2 have_VH0 tightened_VVN their_APPGE restrictions_NN2 ,_, "_" said_VVD Ross_NP1 Weinstein_NP1 ,_, a_AT1 managing_JJ partner_NN1 of_IO the_AT Union_NP1 Square_NNL1 Mortgage_NN1 Group_NN1 ._. 
Right_RR now_RT ,_, Mr._NNB Weinstein_NP1 said_VVD ,_, he_PPHS1 is_VBZ advising_VVG five_MC clients_NN2 who_PNQS are_VBR in_II contract_NN1 to_TO buy_VVI apartments_NN2 with_IW help_NN1 from_II families_NN2 ,_, and_CC he_PPHS1 says_VVZ half_DB of_IO his_APPGE upcoming_JJ deals_NN2 involve_VV0 buyers_NN2 getting_VVG money_NN1 from_II relatives_NN2 ._. 
"_" The_AT only_JJ people_NN they_PPHS2 can_VM turn_VVI to_TO is_VBZ their_APPGE family_NN1 ,_, "_" he_PPHS1 said_VVD ._. 
Christian_JJ Wagner_NP1 ,_, 33_MC ,_, and_CC Kristen_NP1 Grossholtz_NP1 ,_, 35_MC ,_, asked_VVD their_APPGE parents_NN2 for_IF help_NN1 last_MD summer_NNT1 ._. 
The_AT couple_NN1 had_VHD saved_VVN about_RG $100,000_NNU and_CC started_VVD shopping_VVG for_IF co-ops_NN2 that_CST cost_VV0 less_DAR than_CSN $500,000_NNU ._. 
With_IW help_NN1 from_II their_APPGE broker_NN1 ,_, Debby_NP1 Klein_NP1 of_IO Bellmarc_NP1 Realty_NP1 ,_, they_PPHS2 found_VVD a_AT1 $380,000_NNU one-bedroom_JJ co-op_NN1 at_II 1270_MC Fifth_NP1 Avenue_NNL1 ,_, at_II 108th_MD Street_NN1 ,_, that_CST needed_VVD about_RG $60,000_NNU in_II renovations_NN2 ._. 
They_PPHS2 felt_VVD they_PPHS2 had_VHD found_VVN a_AT1 bargain_NN1 that_CST would_VM survive_VVI a_AT1 more_RGR troubled_JJ market_NN1 ,_, because_CS comparable_JJ renovated_JJ units_NN2 had_VHD sold_VVN for_IF about_RG $500,000_NNU ._. 
Mr._NNB Wagner_NP1 also_RR decided_VVN to_TO do_VDI some_DD of_IO the_AT renovations_NN2 himself_PPX1 to_TO trim_VVI costs_NN2 ._. 
But_CCB they_PPHS2 used_VVD up_RP their_APPGE savings_NN2 ,_, putting_VVG them_PPHO2 toward_II closing_JJ costs_NN2 and_CC the_AT co-op_20 's_GE required_JJ 20_MC percent_NNU down_II payment_NN1 ._. 
They_PPHS2 asked_VVD their_APPGE parents_NN2 to_TO give_VVI them_PPHO2 a_AT1 total_NN1 of_IO $60,000_NNU ,_, to_TO meet_VVI the_AT co-op_20 's_GE requirement_NN1 for_IF the_AT equivalent_NN1 of_IO two_MC years_NNT2 in_II mortgage_NN1 and_CC maintenance_NN1 payments_NN2 ._. 
They_PPHS2 closed_VVD on_II July_NPM1 31_MC ,_, and_CC are_VBR using_VVG the_AT remaining_JJ money_NN1 toward_II renovations_NN2 and_CC their_APPGE small_JJ wedding_NN1 in_II Hawaii_NP1 ._. 
Mr._NNB Wagner_NP1 's_GE parents_NN2 are_VBR not_XX wealthy_JJ ,_, but_CCB they_PPHS2 said_VVD they_PPHS2 wanted_VVD to_TO help_VVI ._. 
His_APPGE father_NN1 ,_, Stephen_NP1 Wagner_NP1 ,_, a_AT1 retired_JJ carpenter_NN1 and_CC building_NN1 inspector_NN1 who_PNQS lives_VVZ in_II Apple_NN1 Valley_NN1 ,_, Calif._NP1 ,_, is_VBZ quick_JJ to_TO acknowledge_VVI that_CST he_PPHS1 's_VBZ a_AT1 "_" worrywart_NN1 "_" about_II the_AT state_NN1 of_IO the_AT economy_NN1 ._. 
But_CCB Mr._NNB Wagner_NP1 said_VVD his_APPGE own_DA parents_NN2 had_VHD helped_VVN him_PPHO1 and_CC his_APPGE wife_NN1 ,_, Virginia_NP1 ,_, who_PNQS runs_VVZ a_AT1 preschool_JJ ,_, in_II buying_VVG their_APPGE home_NN1 30_MC years_NNT2 ago_RA ._. 
They_PPHS2 want_VV0 to_TO do_VDI the_AT same_DA ._. 
"_" Everything_PN1 is_VBZ kind_RR21 of_RR22 a_AT1 gamble_NN1 ,_, "_" Mr._NNB Wagner_NP1 said_VVD ._. 
"_" Life_NN1 is_VBZ short_JJ ._. 
We_PPIS2 had_VHD two_MC boys_NN2 ,_, and_CC our_APPGE other_JJ son_NN1 died_VVD two_MC years_NNT2 ago_RA ._. 
You_PPY just_RR try_VV0 to_TO help_VVI people_NN when_CS you_PPY can_VM ._. "_" 
While_CS the_AT money_NN1 was_VBDZ given_VVN to_II the_AT couple_NN1 as_II a_AT1 gift_NN1 ,_, and_CC confirmed_VVN as_II a_AT1 gift_NN1 in_II letters_NN2 submitted_VVN to_II the_AT co-op_NN1 board_NN1 ,_, Christian_NP1 said_VVD he_PPHS1 hoped_VVD to_TO repay_VVI his_APPGE parents_NN2 one_MC1 day_NNT1 ._. 
Typically_RR ,_, a_AT1 relative_NN1 can_VM give_VVI up_RG21 to_RG22 $12,000_NNU each_DD1 year_NNT1 to_II a_AT1 family_NN1 member_NN1 without_IW paying_VVG taxes_NN2 on_II the_AT gift_NN1 ._. 
The_AT help_NN1 from_II family_NN1 members_NN2 is_VBZ taking_VVG many_DA2 forms_NN2 ._. 
Some_DD people_NN offer_VV0 to_TO pay_VVI debts_NN2 like_II car_NN1 loans_NN2 to_TO improve_VVI their_APPGE children_NN2 's_GE credit_NN1 scores_NN2 ._. 
Others_NN2 place_VV0 money_NN1 --_NN1 up_II21 to_II22 hundreds_NNO2 of_IO thousands_NNO2 of_IO dollars_NNU2 in_II some_DD cases_NN2 --_NN1 in_II relatives_NN2 '_GE bank_NN1 accounts_NN2 so_CS21 that_CS22 they_PPHS2 can_VM meet_VVI co-ops_58 '_GE new_JJ ,_, stricter_JJR requirements_NN2 for_IF post-closing_JJ reserves_NN2 ._. 
Co-ops_NN2 often_RR ask_VV0 families_NN2 to_TO document_VVI that_CST this_DD1 money_NN1 is_VBZ a_AT1 gift_NN1 and_CC not_XX a_AT1 loan_NN1 ._. 
Some_DD buyers_NN2 do_VD0 n't_XX actually_RR need_VVI cash_NN1 ,_, but_CCB they_PPHS2 have_VH0 asked_VVN financially_RR stable_JJ relatives_NN2 to_TO act_VVI as_CSA guarantors_NN2 ,_, agreeing_VVG to_TO make_VVI payments_NN2 on_II the_AT mortgage_NN1 if_CS the_AT buyers_NN2 default_NN1 ._. 
Stefani_JJ Pace_NN1 ,_, an_AT1 associate_JJ broker_NN1 at_II Prudential_NP1 Douglas_NP1 Elliman_NP1 ,_, is_VBZ representing_VVG two_MC different_JJ buyers_NN2 who_PNQS work_VV0 in_II the_AT banking_NN1 industry_NN1 and_CC who_PNQS ,_, based_VVN on_II their_APPGE salaries_NN2 ,_, could_VM easily_RR afford_VVI the_AT apartments_NN2 they_PPHS2 are_VBR trying_VVG to_TO buy_VVI ._. 
But_CCB they_PPHS2 asked_VVD their_APPGE parents_NN2 to_TO be_VBI guarantors_NN2 to_TO satisfy_VVI the_AT demands_NN2 of_IO their_APPGE co-op_NN1 boards_NN2 ._. 
These_DD2 loans_NN2 and_CC monetary_JJ gifts_NN2 are_VBR alarming_VVG some_DD financial_JJ planners_NN2 ,_, who_PNQS fear_VV0 that_CST the_AT givers_NN2 are_VBR jeopardizing_VVG their_APPGE own_DA long-term_JJ financial_JJ security_NN1 ._. 
David_NP1 Bendix_NP1 ,_, the_AT founder_NN1 of_IO the_AT Bendix_NP1 Financial_NP1 Group_NN1 in_II Garden_NN1 City_NN1 ,_, N.Y._NP1 ,_, said_VVD that_CST in_II the_AT last_MD two_MC months_NNT2 ,_, he_PPHS1 had_VHD fielded_VVN nearly_RR double_VV0 the_AT usual_JJ number_NN1 of_IO calls_NN2 from_II clients_NN2 who_PNQS wanted_VVD to_TO know_VVI what_DDQ investments_NN2 to_TO cash_VVI out_II21 of_II22 to_TO help_VVI relatives_NN2 ,_, often_RR to_TO buy_VVI real_JJ estate_NN1 ._. 
If_CS a_AT1 client_NN1 had_VHD large_JJ cash_NN1 savings_NN2 ,_, he_PPHS1 said_VVD ,_, he_PPHS1 would_VM be_VBI more_RGR likely_JJ to_TO advise_VVI making_VVG a_AT1 loan_NN1 ._. 
But_CCB it_PPH1 would_VM be_VBI another_DD1 matter_NN1 if_CS a_AT1 client_NN1 needed_VVD to_TO sell_VVI stocks_NN2 ._. 
"_" To_TO ask_VVI someone_PN1 to_TO get_VVI out_II21 of_II22 the_AT equity_NN1 market_NN1 or_CC borrow_VV0 against_II their_APPGE retirement_NN1 plans_NN2 is_VBZ not_XX realistic_JJ or_CC practical_JJ ,_, "_" he_PPHS1 said_VVD ._. 
In_II all_DB cases_NN2 ,_, he_PPHS1 urges_VVZ his_APPGE clients_NN2 to_TO get_VVI agreements_NN2 in_II writing_NN1 ._. 
At_II the_AT very_RG least_RRT ,_, he_PPHS1 encourages_VVZ them_PPHO2 to_TO draft_VVI a_AT1 one-page_JJ document_NN1 that_CST lists_VVZ the_AT terms_NN2 of_IO the_AT loan_NN1 ,_, with_IW details_NN2 like_II whether_CSW it_PPH1 's_VBZ interest-free_JJ or_CC whether_CSW it_PPH1 will_VM be_VBI repaid_VVN once_RR the_AT property_NN1 is_VBZ sold_VVN ._. 
He_PPHS1 suggests_VVZ getting_VVG it_PPH1 signed_VVN by_II both_DB2 parties_NN2 and_CC notarized_VVD ._. 
Ideally_RR ,_, he_PPHS1 says_VVZ ,_, the_AT document_NN1 should_VM be_VBI reviewed_VVN by_II lawyers_NN2 representing_VVG both_DB2 sides_NN2 ._. 
Some_DD buyers_NN2 who_PNQS sought_VVD help_NN1 have_VHI had_VHN second_NNT1 thoughts_NN2 since_CS the_AT financial_JJ sector_NN1 came_VVD crashing_VVG down_RP ._. 
Jeff_NP1 Goodman_NP1 ,_, an_AT1 agent_NN1 for_IF Barak_NP1 Realty_NP1 ,_, is_VBZ representing_VVG a_AT1 couple_NN1 expecting_VVG their_APPGE first_MD child_NN1 ._. 
They_PPHS2 saved_VVD $50,000_NNU and_CC planned_VVD to_TO ask_VVI their_APPGE family_NN1 for_IF $20,000_NNU to_TO help_VVI buy_VVI a_AT1 $500,000_NNU two-bedroom_JJ in_II the_AT Manhattan_NP1 neighborhood_NN1 of_IO Hamilton_NP1 Heights_NN2 ._. 
But_CCB the_AT couple_NN1 's_GE relatives_NN2 are_VBR small-business_JJ owners_NN2 who_PNQS could_VM be_VBI hurt_VVN by_II the_AT economic_JJ slowdown_NN1 ._. 
So_RR instead_RR of_IO borrowing_VVG the_AT money_NN1 ,_, they_PPHS2 decided_VVD to_TO buy_VVI a_AT1 $380,000_NNU apartment_NN1 in_II Inwood_NP1 on_II their_APPGE own_DA ._. 
Others_NN2 say_VV0 they_PPHS2 are_VBR providing_VVG a_AT1 safer_JJR investment_NN1 for_IF their_APPGE family_NN1 members_NN2 '_GE money_NN1 ._. 
Alicia_NP1 Gunderman_NP1 and_CC Michael_NP1 Accardi_NP1 ,_, both_RR 26_MC ,_, bought_VVD a_AT1 $265,000_NNU three-bedroom_JJ co-op_NN1 in_II Hartsdale_NP1 ,_, in_II Westchester_NP1 ._. 
After_CS the_AT couple_NN1 had_VHD been_VBN approved_VVN for_IF a_AT1 mortgage_NN1 by_II one_MC1 bank_NN1 and_CC cleared_VVN by_II the_AT co-op_NN1 board_NN1 ,_, the_AT bank_NN1 canceled_VVD the_AT loan_NN1 ._. 
Ms._NNB Gunderman_NP1 said_VVD she_PPHS1 was_VBDZ told_VVN it_PPH1 was_VBDZ because_CS their_APPGE credit_NN1 scores_NN2 were_VBDR n't_XX in_II the_AT 700s_MC2 and_CC they_PPHS2 would_VM have_VHI only_RR about_RG $20,000_NNU for_IF post-closing_JJ reserves_NN2 ,_, which_DDQ is_VBZ less_DAR than_CSN what_DDQ the_AT bank_NN1 wanted_VVD ._. 
The_AT couple_NN1 then_RT tried_VVD and_CC failed_VVD to_TO get_VVI a_AT1 mortgage_NN1 through_II a_AT1 second_MD bank_NN1 ._. 
They_PPHS2 realized_VVD that_CST if_CS they_PPHS2 did_VDD n't_XX find_VVI more_DAR cash_NN1 to_TO satisfy_VVI the_AT bank_NN1 ,_, they_PPHS2 might_VM lose_VVI their_APPGE $26,500_NNU down_II payment_NN1 ._. 
So_RR they_PPHS2 asked_VVD four_MC relatives_NN2 and_CC one_MC1 friend_NN1 for_IF help_NN1 in_II raising_VVG a_AT1 total_NN1 of_IO $13,500_NNU ,_, to_TO put_VVI down_RP an_AT1 additional_JJ 5_MC percent_NNU of_IO the_AT purchase_NN1 price_NN1 ,_, and_CC an_AT1 extra_JJ $5,000_NNU each_DD1 ,_, to_TO show_VVI the_AT bank_NN1 they_PPHS2 had_VHD sufficient_JJ funds_NN2 for_IF closing_JJ costs_NN2 ._. 
They_PPHS2 promised_VVD to_TO repay_VVI some_DD of_IO the_AT money_NN1 once_CS they_PPHS2 closed_VVD ._. 
Mr._NNB Accardi_NP1 ,_, who_PNQS says_VVZ he_PPHS1 has_VHZ worked_VVN since_CS he_PPHS1 was_VBDZ 11_MC ,_, found_VVD the_AT process_NN1 of_IO seeking_VVG help_NN1 painful_JJ ._. 
"_" It_PPH1 felt_VVD awful_JJ ,_, "_" he_PPHS1 said_VVD ._. 
"_" I_PPIS1 had_VHD to_TO humble_VVI myself_PPX1 ._. "_" 
Once_CS the_AT couple_NN1 presented_VVD their_APPGE case_NN1 ,_, the_AT relatives_NN2 all_RR agreed_VVN to_TO help_VVI ._. 
Some_DD family_NN1 members_NN2 gave_VVD money_NN1 as_CSA outright_JJ gifts_NN2 ,_, while_CS others_NN2 asked_VVD to_TO be_VBI repaid_VVN with_IW interest_NN1 ._. 
Ms._NNB Gunderman_NP1 ,_, who_PNQS works_VVZ in_II new_JJ development_NN1 for_IF Warburg_NP1 Realty_NP1 ,_, argued_VVD that_DD1 lending_NN1 to_II them_PPHO2 offered_VVD their_APPGE relatives_NN2 better_JJR returns_NN2 than_CSN investing_VVG in_II stocks_NN2 ._. 
To_TO make_VVI that_DD1 case_NN1 ,_, she_PPHS1 showed_VVD them_PPHO2 that_CST a_AT1 similar_JJ apartment_NN1 in_II the_AT same_DA building_NN1 was_VBDZ selling_VVG for_IF $299,000_NNU ._. 
They_PPHS2 closed_VVD on_II Sept._NPM1 29_MC ,_, and_CC they_PPHS2 have_VH0 worked_VVN out_RP the_AT terms_NN2 of_IO repayment_NN1 with_IW those_DD2 relatives_NN2 ._. 
In_II some_DD cases_NN2 ,_, the_AT mere_JJ mention_NN1 of_IO borrowing_NN1 money_NN1 can_VM drive_VVI a_AT1 wedge_NN1 between_II family_NN1 members_NN2 ._. 
Mr._NNB Weinstein_NP1 said_VVD he_PPHS1 spent_VVD the_AT last_MD two_MC months_NNT2 advising_VVG a_AT1 couple_NN1 who_PNQS had_VHD negotiated_VVN a_AT1 two-bedroom_JJ condominium_NN1 in_II East_ND1 Williamsburg_NP1 down_RP to_II $520,000_NNU from_II $590,000_NNU ._. 
They_PPHS2 had_VHD saved_VVN about_RG $50,000_NNU and_CC decided_VVD to_TO ask_VVI each_DD1 of_IO their_APPGE families_NN2 for_IF $50,000_NNU ._. 
That_DD1 way_NN1 ,_, they_PPHS2 could_VM put_VVI down_RP $125,000_NNU ,_, pay_VV0 $25,000_NNU toward_II closing_JJ costs_NN2 and_CC qualify_VV0 for_IF a_AT1 $395,000_NNU mortgage_NN1 at_II a_AT1 more_RGR competitive_JJ interest_NN1 rate_NN1 ._. 
At_RR21 first_RR22 the_AT families_NN2 agreed_VVD to_TO give_VVI the_AT money_NN1 as_CSA gifts_NN2 ._. 
They_PPHS2 gave_VVD their_APPGE children_NN2 about_RG $20,000_NNU each_DD1 and_CC agreed_VVD to_TO pay_VVI the_AT rest_NN1 at_II closing_NN1 ._. 
One_MC1 side_NN1 of_IO the_AT family_NN1 took_VVD money_NN1 from_II a_AT1 savings_NN2 account_VV0 ;_; the_AT other_JJ sold_JJ stocks_NN2 for_IF the_AT down_JJ payment_NN1 and_CC planned_VVN to_II mortgage_NN1 a_AT1 home_NN1 for_IF the_AT remaining_JJ amount_NN1 ._. 
Mr._NNB Weinstein_NP1 said_VVD he_PPHS1 spent_VVD more_DAR than_CSN 10_MC hours_NNT2 on_II the_AT phone_NN1 with_IW relatives_NN2 reviewing_VVG the_AT terms_NN2 of_IO the_AT deal_NN1 ._. 
But_CCB two_MC weeks_NNT2 after_II the_AT couple_NN1 went_VVD to_TO contract_VVI ,_, both_DB2 families_NN2 changed_VVD their_APPGE minds_NN2 and_CC advised_VVD their_APPGE children_NN2 to_TO pull_VVI out_RP ._. 
They_PPHS2 did_VDD so_RR earlier_RRR this_DD1 month_NNT1 ,_, and_CC are_VBR trying_VVG to_TO get_VVI their_APPGE down_JJ payment_NN1 returned_VVD ._. 
Mr._NNB Weinstein_NP1 says_VVZ the_AT experience_NN1 of_IO working_VVG with_IW families_NN2 on_II financing_NN1 is_VBZ more_DAR of_IO a_AT1 drain_NN1 than_CSN dealing_VVG with_IW any_DD bank_NN1 ._. 
"_" Banks_NN2 do_VD0 n't_XX have_VHI a_AT1 lot_NN1 of_IO emotion_NN1 ,_, "_" he_PPHS1 said_VVD ._. 
"_" Adding_VVG the_AT family_NN1 members_NN2 into_II the_AT mix_NN1 ,_, well_RR now_RT you_PPY 've_VH0 got_VVN everything_PN1 that_CST a_AT1 bank_NN1 would_VM do_VDI ,_, plus_II emotions_NN2 ._. "_" 
Sometimes_RT ,_, relatives_NN2 will_VM help_VVI once_CS they_PPHS2 have_VH0 done_VDN some_DD research_NN1 ._. 
Courtney_NP1 Fransen_NP1 ,_, 32_MC ,_, is_VBZ waiting_VVG to_TO close_VVI on_II a_AT1 studio_NN1 at_II the_AT Olive_JJ Park_NN1 condo_NN1 at_II 100_MC Maspeth_NP1 Avenue_NNL1 in_II East_ND1 Williamsburg_NP1 ,_, Brooklyn_NP1 ._. 
She_PPHS1 had_VHD saved_VVN about_RG $35,000_NNU to_TO put_VVI toward_II a_AT1 down_JJ payment_NN1 and_CC closing_JJ costs_NN2 ._. 
She_PPHS1 negotiated_VVD the_AT price_NN1 to_II $350,000_NNU from_II $380,000_NNU ._. 
But_CCB although_CS she_PPHS1 makes_VVZ enough_DD money_NN1 as_II a_AT1 television_NN1 producer_NN1 to_TO cover_VVI mortgage_NN1 payments_NN2 ,_, her_APPGE status_NN1 as_II a_AT1 freelancer_NN1 made_VVD it_PPH1 difficult_JJ for_IF her_PPHO1 to_TO qualify_VVI for_IF a_AT1 mortgage_NN1 ._. 
She_PPHS1 also_RR did_VDD n't_XX have_VHI enough_DD cash_NN1 to_TO close_VVI ._. 
"_" It_PPH1 made_VVD it_PPH1 beyond_II my_APPGE reach_NN1 to_TO do_VDI it_PPH1 alone_RR because_CS there_EX was_VBDZ nothing_PN1 left_VVN over_RP for_IF closing_JJ costs_NN2 ,_, "_" Ms._NNB Fransen_NP1 said_VVD ._. 
So_RR she_PPHS1 asked_VVD her_APPGE parents_NN2 ,_, Barbara_NP1 and_CC Carl_NP1 ,_, for_IF help_NN1 ._. 
They_PPHS2 visited_VVD the_AT neighborhood_NN1 three_MC times_NNT2 ,_, met_VVD the_AT condo_NN1 's_GE construction_NN1 supervisor_NN1 and_CC walked_VVD around_II the_AT nearby_JJ Cooper_NN1 Park_NN1 to_TO make_VVI sure_JJ the_AT area_NN1 felt_VVD safe_JJ ._. 
They_PPHS2 asked_VVD her_PPHO1 what_DDQ she_PPHS1 would_VM do_VDI if_CS she_PPHS1 lost_VVD her_APPGE job_NN1 ._. 
She_PPHS1 found_VVD that_CST apartments_NN2 similar_JJ to_II hers_PPGE rented_VVD for_IF about_RG $2,000_NNU a_AT1 month_NNT1 ._. 
If_CS she_PPHS1 lost_VVD her_APPGE job_NN1 ,_, she_PPHS1 reasoned_VVD ,_, she_PPHS1 would_VM rent_VVI her_APPGE studio_NN1 to_TO cover_VVI her_APPGE mortgage_NN1 and_CC move_VVI into_II a_AT1 cheaper_JJR rental_NN1 with_IW roommates_NN2 ._. 
After_II that_DD1 ,_, her_APPGE parents_NN2 lent_VVD her_PPHO1 about_RG $24,000_NNU for_IF the_AT down_JJ payment_NN1 from_II money_NN1 they_PPHS2 had_VHD in_II savings_NN2 ._. 
Then_RT her_APPGE mother_NN1 agreed_VVD to_TO add_VVI her_APPGE name_NN1 on_II the_AT mortgage_NN1 as_II a_AT1 co-applicant_NN1 ._. 
That_DD1 meant_VVD Barbara_NP1 Fransen_NP1 had_VHD to_TO go_VVI through_II the_AT same_DA approval_NN1 process_NN1 as_CSA her_APPGE daughter_NN1 ,_, providing_VVG her_APPGE own_DA information_NN1 about_II income_NN1 or_CC assets_NN2 ._. 
She_PPHS1 would_VM also_RR be_VBI held_VVN responsible_JJ for_IF the_AT loan_NN1 if_CS Courtney_NP1 missed_VVD any_DD payments_NN2 ._. 
Mr._NNB Fransen_NP1 said_VVD that_CST they_PPHS2 would_VM figure_VVI out_RP the_AT details_NN2 of_IO Courtney_NP1 's_GE repayment_NN1 later_RRR ._. 
The_AT couple_NN1 have_VH0 helped_VVN two_MC of_IO her_APPGE brothers_NN2 buy_VV0 homes_NN2 in_II the_AT last_MD decade_NNT1 ,_, and_CC both_DB2 purchases_NN2 have_VH0 appreciated_VVN ._. 
In_II a_AT1 more_RGR bearish_JJ market_NN1 ,_, they_PPHS2 are_VBR realistic_JJ about_II the_AT likelihood_NN1 that_CST this_DD1 property_NN1 may_VM not_XX grow_VVI in_II value_NN1 as_CSA quickly_RR ._. 
"_" We_PPIS2 feel_VV0 that_CST eventually_RR when_CS she_PPHS1 does_VDZ sell_VVI ,_, the_AT market_NN1 will_VM have_VHI come_VVN back_RP and_CC we_PPIS2 will_VM take_VVI our_APPGE share_NN1 of_IO the_AT proceeds_NN2 ,_, "_" he_PPHS1 said_VVD ._. 
Sometimes_RT ,_, relatives_NN2 put_VV0 family_NN1 ahead_II21 of_II22 their_APPGE anxiety_NN1 about_II the_AT market_NN1 ._. 
Marilyn_NP1 Calister_NP1 ,_, a_AT1 certified_JJ public_JJ accountant_NN1 ,_, originally_RR offered_VVN to_TO help_VVI her_APPGE niece_NN1 ,_, Kirsten_NP1 Calister-Kuhi_NN1 ,_, buy_VV0 a_AT1 $252,000_NNU studio_NN1 at_II 321_MC East_ND1 54th_MD Street_NN1 ._. 
Her_APPGE agent_NN1 ,_, Shannon_NP1 Aalai_NN1 of_IO Citi_JJ Habitats_NN2 ,_, handled_VVD the_AT sale_NN1 ._. 
Ms._NNB Calister_NP1 had_VHD offered_VVN to_TO provide_VVI the_AT down_JJ payment_NN1 while_CS Ms._NNB Calister-Kuhi_NP1 would_VM handle_VVI the_AT monthly_JJ payments_NN2 ._. 
But_CCB the_AT recent_JJ declines_VVZ in_II the_AT stock_NN1 market_NN1 made_VVD Ms._NNB Calister_NP1 consider_VVI pulling_VVG out_II21 of_II22 the_AT deal_NN1 ._. 
She_PPHS1 moved_VVD forward_RL because_CS she_PPHS1 wanted_VVD her_APPGE niece_NN1 to_TO have_VHI a_AT1 safe_JJ place_NN1 to_TO live_VVI and_CC did_VDD n't_XX want_VVI to_TO let_VVI her_PPHO1 down_RP ._. 
She_PPHS1 also_RR spent_VVD hours_NNT2 reviewing_VVG the_AT deal_NN1 with_IW her_APPGE niece_NN1 and_CC her_APPGE niece_NN1 's_GE boyfriend_NN1 ,_, Chad_NP1 Coronato_NP1 ,_, who_PNQS will_VM live_VVI there_RL ._. 
While_CS she_PPHS1 did_VDD not_XX draft_VVI a_AT1 formal_JJ contract_NN1 with_IW her_APPGE niece_NN1 ,_, she_PPHS1 put_VVD the_AT agreement_NN1 in_II e-mail_NN1 messages_NN2 ._. 
She_PPHS1 is_VBZ confident_JJ that_CST she_PPHS1 can_VM count_VVI on_II her_APPGE niece_NN1 ._. 
"_" This_DD1 is_VBZ a_AT1 kid_NN1 that_CST I_PPIS1 held_VVD the_AT day_NNT1 she_PPHS1 was_VBDZ born_VVN ,_, "_" Ms._NNB Calister_NP1 said_VVD ._. 
"_" She_PPHS1 will_VM not_XX let_VVI me_PPIO1 down_RP ._. "_" 
