Will I be able to qualify?I am 23 and looking to buy a home in the MA area. I was just wondering if I would be able to get a mortgage, and if so what mortgage would be best for me? I am a first time homebuyer, looking to buy either a 2 or 3 family, in MA around 250,000. I have good credit, somewhere around 720 to 740ish. My income is low where my problem is, about 1200 a month, also I have been on the job over 3 years. I have student loans and credit card debt that runs me about 300 a month. Also I have about 21,000 saved up for down payment and closing so far. I most likly would not qualify on my own. My mother said she would co borrow or co sign for me if needed. Her problem is she has credit card debt, and no income at all, but excellent credit also. She also has money to cover the price of the house in the bank, and another 1/3 of the price of the house in stocks. Would she be able to help me out? If so, would co borrowing or co signing be better?August 31 2010 - Peabody00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.