About 3 years ago my mom wanted to refinance her home. Her credit wasn't good enough, so I'm the primary and she co-signed. My mom pays the mortgage payments every month, and has a good pay history.

My problem is now I want to buy a home, and I have my name on my moms mortgage. How likely is it that I will secure another mortgage loan of my own. While my name is on the on the mortgage loan that my mom pays every month.

The refinance mortgage amount is $80,000. I would like to finance a home of my own for $80,000, and I bring home after taxes $2,000.

I hope this is enough information for my question to be answered.

Should not be problem You just have to show the bank that your mother is making the payment herself and that your not using any of your $2000 a month income to assist her.