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

The phrase originated among adolescent boys and was never really intended to refer simply to any woman with a child but rather to the more attractive mothers of their adolescent friends.

... 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!