I don’t think you know what you’re doing. In debt already, taking on more. On line statements printed out are OK. But to be honest I would let your parents sit in because the deal looks dodgy to me, the interest rates and the period of the mortgage are crucial. So what if they know of the 3000, they could save you more than that with their experience of such things. These advisors don’t do it for fun, they are out to make money, don’t be fooled.Apparently your financial debt and lack of down payment will keep you from getting a mortgage. No reputable lender is giving 0% down mortgages. Cancel this meeting. Pay off your debt and start saving for a down payment
This guy will run your credit history right in front of everyone. Lacking the bank statements is another problemAre you in the UK. Have never heard of jump start. At the meeting he will ask you about your debts, by the sound of it you will lie in front of your parents. He will then do a credit check when he gets back to his office and find you are in debt. Not a good start, he has to recommend you to a mortgage company. Bit of a waste of time really, especially as you have no paperwork to give him on the day. It would be better to wait until you has all the stuff he is asking for.
Your chance of a mortgage in my opinion is a bit slim.Here is the thing.

Every time your credit is checked (good or bad) it goes against your credit score. Why? Because the more things you need, ex. the more credit cards you apply for the more money you are likely spending.
So, if you know your credit is bad and you are not going to get approved – then don’t go through with this apt. It will only worsen your credit score.

Take suggestions from people here.

Make payments to your loans and start saving for a down payment. Down payments can be gifted to you from family members as long as they sign a paper stating that it is a gift and not a loan.

 

Get more information on credit consumer counseling