I am needing help figuring out what my chances are of getting a home loan for a $180,000. I am 24 years old, and make about 2500/month. The mortgage would be roughly 1,000/month. My parents are willing to cosign with me, and they make about 200,000/year. This is the best price possible in my area for a decent place... Also, the financing terms are cash... So i would be paying them the entire 180 upfront? Is there any way they would change payment to conventional? Thanks. If this is not possible how can I work to find a house?