26 and mom says I’m crazy

Hello all, I’m 26 and me and my BF have been together for 3 years. We have been friends for wayyy longer than that and have lived together for most of our relationship. Recently, however we have had to move back home due to financial issues and trying to save to put a down payment on a home.

We are very close to our goal and which to move into our new place by 2021.

My mother refuses to let my bf sleep over. Down right refuses. Stated “that if he stays here you will find yourself homeless.”  Referring to me.

We have never used protection, we both have the understanding that if It happens it happens, we both want a large family.

I guess what I’m trying to say is that my mother is completely against me having children with my bf. so much so that she even said to me that I’m not ready. That I “couldn’t possibly raise a child.”

My and my BF both have full time jobs, and are loving caring people..

What can I say to her? What if she mad when I finally give her a grandchild? What if she still doesn’t accept my bf when he is the father of my children? I’m lost. I’m worried that I will get pregnant (which is want I want more than anything) and she shames me for it.