Congratulations on taking the first step towards homeownership. Your first step should be to meet with a loan officer with your mom and see what your options are. There are some grant programs that you can utilize to assist with the down payment.
If you have any further questions, please do not hesitate to contact me.
Licensed Real Estate Agent
Cruse Realty / Cruz Network of Realtors
Give me a call I would like to explain your options better.
All the best,
Exit Realty Search
3928 E. Tremont ave
Bronx, NY 10465
The best advice on this matter is to speak to a loan officer because they have to do an in-depth evaluation on your financial situation to determine your eligibility to buy. You may call Mark Fisher from United Northern Mortgage Banker (specializes on first-time homebuyer loans) and he can assist you with this matter. Please visit his website below for more info. Good luck to you and reach out to me if you have any questions. Thank you!