<prompt> Human: I got a pay raise in April and make some decent amount of money. Currently been saving and put 2k away to the each paycheck, which is 4K a month. Looking at making about 80k this year. I been at my job for more than a year now. Theres a home thats foreclosed and Im thinking about sitting down with a lender to see what are my chances at getting it. Its going for 350k. I got about 10k saved and depending when it actually becomes available I might have more money saved. I want to use my mom as a co-signer, but shes only owned property once, which she had to let go foreclose 20years ago because of divorcing my father. She makes around 45k a year and has been with her company for about 25years. Last year she filed for bankruptcy though, which I think might ruin my chances, but do you guys think that she might improve my chances at getting approve rather than me applying by myself.  <response>: You should be putting down 2037; on a home. 10k isnt nearly enough for a 350,000 home. 