[Steak]

I'm looking to buy a place out of state (currently in California). I have been working on fixing my credit (some bad hits from years ago, but getting better, car payment and 3 credit cards all in wonderful standing for at least 2 years,Bad hits are old collections/student loan default). I have about 15% down payment ready to go for the place.My score is about 630. Not great. My mothers credit score is about 830, and she has not owned a home for 5 years. I have never owned a home. My income plus my wife's income is about $80,000. We are looking for a home around 220,000. Yes, we should quaslify, except for credit. Now, my mother would be living with us, so she has a vested interest.My question is, will I be able to get a prime rate due to my mom's credit score, even if mine is not great?How much does my cash down payment have to do with it? At 630 could I get the mortgage on my own in the current lending climate? I understand if I wait another year or two, my credit score should be good enough to buy on my own, but want to take advantage of the new $8000 credit and the low prices/broad selection of homes.Any and all answers would be appreciated.