Good credit score, 15k in savings, but will I still qualify?

[Stefanie R.]

I am interested in purchasing my first property and have been saving up for a while. My credit score is above 750 and I have about 15k saved for a down payment. However my biggest issue is that I am unemployed at present. Most of the jobs I've worked in the past have been mostly contract roles with gaps in between. I know most lenders like to see at least 2 years worth of consistent work history and although I've earned income, they just haven't been as stable as I would like.

I have a relative who is willing to co-sign, however this would be a secondary option as I would rather not have to use them unless it was absolutely necessary.

Given my circumstances do you think I would be able to qualify for any loan? I'm looking to secure a 80-120k loan and live in NYC but would like to relocate to NJ if that helps. Thanks!