What are my chances of mortgage approval?

I’m looking to buy my first house. small house $ 65,000. Find beautiful already. The problem is that in only 19th but I’m ready for 23 percent down payment and have more money for closing costs. Only with the construction loan. My mother will sign the cooperation or co-borrow the loan for me. She has excellent credit. We have two permanent jobs. We both have no mortgages, including most offshore cars.last years I have only $ 15,000 and my mother was paid $ 30,000. What are my chances please help?

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