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Future Home purchase question.

First time posting here. I am looking to purchase a house within the next 6 months and am a first time buyer, I don’t have much information on the process jus like probably most first time buyers. I have a question for you, because it could in fact hurt or help my future situation and didn’t know who to ask and if you could please help that would be great. So long story short, My Wife and I have Good credit 755 and 753, anyway like I said I am looking to get the ball rolling on my home buying experience maybe start of 4th QTr, so she currently is a Co sign on her fathers current home loan, I want her to get off the loan for our future loan sake. So again long story short, he cannot qualify for a refinance to get her off the loan WITHOUT her, which would lower his monthly payment BUT she would have to stay on the loan which is the burden here. I talked to loan officer guy and he said there is no way to do the refinance without my wife co signing WHICH defeats the whole purpose of this refinance, the officer proceeds to tell me that having my wife on the loan with have ZERO effect on any future home loans that we will be undertaking. Does that make sense. I am wary about the fact that she will be on 2 loans. Please if you could help me out it would mean the world

submitted by /u/Flotsam19
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source https://www.reddit.com/r/RealEstate/comments/hiywcd/future_home_purchase_question/

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