Although you mentioned that your mother is not a citizen or resident alien, you did not mention what type of Visa she may be holding. H-1 Visa holders can buy homes fairly easy, especially in conforming territory (loans under $417k). FHA works the same. If she is a foreign national, however, she is looking at a minimum of 30% down (most will look to 50% down currently). Don't forget, she must qualify with her income as well to be able to afford the home, so a job (as well as credit) are pretty important when buying under either scenario. As a resident, you are able to purchase a home just as any citizen would - which means that all loan programs are available to you.