Hello Ms. Cipriani,
As you may know, you need 2 years continued work history, 2 yrs rental history and some savings to qualify for a loan. A lender considers the risk of default when determining a loan approval. You have several layers of risk. First neither you nor your son have a stable work history. This is critical to getting an approval. If you cannot prove your income, then you must have other compensating factors. How much savings? How good is your credit?
To be honest, without speaking with you, it will be difficult to determine whether you can get a loan.
Is your son in university? Can we explain the multiple jobs? How long has he lived in Florida?
There are several factors that determine your eligibility. Call me to discuss your options.
Down Payment Assistance Specialist/Loan Officer
Enterprise Mortgage Group
Winter Park, FL