Without your name, you can't apply for a loan in your name and come to mortgage to buy a house, unless the real estate registrant (the name of the real estate license) is your spouse. You can handle the loan mortgage formalities as a lender! If you can't repay the mortgage, it depends on whether there are other houses in your house. If you have other houses, after the debts reach a certain amount and time, the bank can sue your family, apply for freezing the property and auction the debts. If this is your only self-occupied property, the court will not support the bank to freeze the auction of the only house in your life.