<prompt> Human: Im graduating from college on the 19th of this month, and I have already accepted a job offer in my field. I was hoping to move before I start my job to save timegas on traveling as this job is in a new city. I have been told by older adults in my family that their biggest financial regret was renting instead of buying a house at a young age. I want to go to my bank to apply for a pre-approved mortgage amount, but I dont want to waste their time and mine if I have no chance anyway.Im not 100 sure what factors they take into consideration, but heres my general background info:- Loan would be taken out with a co-borrow, my boyfriend who is also 21.- BF and I both have average credit scores 680 or so- I have had a savings account with this bank my whole life and a checking account with them since 2012- BF has had saving and checking account with the same bank since 2014- My current income is extremely limited since Im still finishing up school. I have documentation stating what my income WILL BE once I start the job, but I have not yet started the job.- I also have student loans - not sure exactly how much, but Id guess around 60K- BF graduated June 2014, worked one job from then until last month when he switched jobs because he was offered more money by a new company. - BF has no student loans. - We both currently live with my parents who are not willing to co-sign anything.Should I even bother applying? Will banks accept documentation of future income or only proof of current income? What other factors would affect my chances?Thanks in advance!EDIT - Just to add context after comments Im seeing here - Ive already lived with my boyfriend for 2 years and we plan on staying together forever, we just didnt feel the need to spend money on a wedding at this point in our lives. EDIT 2 - I have 3 years of employment history working in my field and I have tax returns for these 3 years. My hours are cut right now due to final exams and I will be working full time again in 2 weeks. I also have 10 saved currently and could have 20 by early 2016. Renting in this area is expensive as well - Ill end up paying a minimum of 700month utilities just for a studio unit. I also know the area well and know people who have lived in the area for many years, Ive just never personally lived there.  <response>: Do not get a mortgage with your boyfriend. Do not share credit cards, do not share car loans. It can end up ruining your finances in the future. You will hear horror stories on this sub regarding sharing mortgages with significant others. To be honest, your credit score wont qualify for a good loan. You will get really high interest rates and at that point, i dont think its worth it. Also, because you dont have any stable income as of now, you will be a very big risk to the bank. Also, you didnt mention if you guys have down payment for a house either. 