Can I list my mom as a cosigner if her only income is from her retirement?

Yes, you would be able to add your mom as a co-signer, even if she had no income. It all depends on what you are trying to accomplish. If you add her to the loan, underwriting will consider her credit scores, her income and any monthly payments she has as part of the transaction. Bert Carpenter, The LoansA2z Team of NEXA Mortgage ~ NMLS 40586 ~ Certified by The National Association of Mortgage Professionals as a Certified Veterans Lending Specialist.Licensed in AZ, CA, GA, IL, OR & WA... In fact, NEXA is licensed in all states except MA and NY so give us a call. ~ www.ApplyYes.com 480-889-9000 - OR - 480-695-9300.

Sure, retirement income is allowable qualifying income for all mortgage loans. I lend in Minnesota, Wisconsin, Iowa, North Dakota, and South Dakota. I can be reached at JoeMetzler.com - Cambria Mortgage, NMLS 274132