Technically speaking a MILF could be any age as long as you're a mother.  The Urban Dictionary says "A MILF is any mother that is sexually desirable."  

I usually associate it with someone who is older than 27.  In your case the word mature may a better marketing angle.

I generally go for "MILF"s, though make exceptions for late 20-somethings who seem to have a lot on the ball.

I think of a MILF as someone who has either had children OR a woman between 30 and 45 who has not.

I don't think of it as pertaining strictly to a given body type, but more to a level of maturity and confidence.

I wouldn't classify you as a MILF.

You are more of an insatiable, hot young thang.

We've been conditioned to relate the word "milf" with an "older" lady, but I guess "older" is a relative term as well. As I get "older", I tend to migrate towards the ladies who I once thought of as "older", but are now considerably younger than I am. Yes, technically any lady who is a mother could be a milf, but we generally think of ladies in their late 30's and up, when we see or hear the word.

1 MILF has become a much-used descriptor on the Internet for pornography sites featuring MILFs: (Married) women (with grown children) mostly between the ages of 35 and 55.

Or

2 An abbreviation of Moro Islamic Liberation Front, an organization in the Philippines seeking to establish an Islamic state on the island of Mindanao.

I tend to think of MILF more with definition #1,
however I believe that you are more of a WILF.  W=woman!

The obvious meaning of "Mother I'd Like to F@*&" has morphed into  an association with middle age women which, &  I speak from experience, you certainly don't fit.

Way back in my college days we would call a hot younger woman with a young kid a "Yummy Mommy" (with second word pronounced as"Mummy"). Now that certainly fits.

Personally I think of you more as my new term-  a VIV -  "Voluptuous Insatiable Vixen", but who am I to start new acronyms.

(Hope I can sneak away soon to catch whatever set of letters you choose)

stay safe out there
the Marquis

... One would need to see your face to be certain.  It's a very subjective thing.

Well, anyway, you surely got lots of responses in short order!