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A lender looks at your credit line, not just your credit score, just because, you have good credit doesn't mean you're getting a loan for sure, having a lot of debt isn't good.
They mortgaged the house, which means they took out equity they had paid into the house, it isn't necessarily a loan, you don't pay it back you just owe more on your house. He doesn't know what it is and neither do you which is the confusion, it is definitely plausible that his parents did this though.
No, I do know what I'm talking about, my previous comments about them paying back a loan were because, I assumed they just had a loan and not a home equity loan, my comment about not loving up was towards if the family would actually keep up with payments on their house.