You're not going to be able to get a mortgage here without your immigration being finished.. One of the first questions they are going to ask is if you have a social security number as well as if you have any credit history.. Your Canadian credit history means nothing here, so you basically have to start all over with a new history.

If your mom hasn't even finished her immigration yet there is no guarantee it will even happen so no one is going to give you a mortgage because of that.

Also, if you're coming in on a family based VISA as a unmarried son and daughter of a permanent resident, there are numerical limitations on this as outlined below so it could be several years before you fall into that category.

# Second Preference: Spouses and Children, and Unmarried Sons and Daughters of Permanent Residents: 114,200, plus the number (if any) by which the worldwide family preference level exceeds 226,000, and any unused first preference numbers:

1. Spouses and Children: 77% of the overall second preference limitation, of which 75% are exempt from the per-country limit;
2. Unmarried Sons and Daughters (21 years of age or older): 23% of the overall second preference limitation.

Your mom married and moved to the US before she had her green card?? You do realize that it's illegal to do that right? Unless she entered as a finance on a F-1 VISA and then applied to adjust status after she got married, she'd have to prove that she entered the U.S. without dual intent. (in other words that she moved here to get married).. Also if her or her husband has any type of criminal history whatsoever, that could be a reason for exclusion from ever getting a VISA. The Green card process itself usually takes a couple years from within the US. Does she have a interview scheduled yet?


Anyway, sorry for the bad news but unless you're paying cash, you're not going to get a house here.. you COULD look into getting a loan from a Canadian bank to put towards a house, but that would be something you'd have to speak to a Canadian bank about.

And no, I'm not a lawyer but I should be one, trust me I know what I'm talking about.