I would be approved for a mortgage?

I have a nanny for 3 years, whereas only 3 months on the table .. I paid 650 to one week. My mother has with her work for 8 years and to 25,000 per year. We have credit ratings ok .. To 621 as we have about 5,000 as a deposit. We do not have big bucks … no car loans .. very little debt credit card 300.00 … I thought of a student loan 7000 .. but I have very little to pay on a monthly basis. Are we eligible? We, like 150,000 starter home .. we live in New Jersey, and we found some good homes at low cost.

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