First Time Home Buyer.......Kind of?

No, you are on title so you will not be a first time buyer. Is there a reason you would need to be designated as a first time buyer? Also, if you are already on title and have been for a while, you should just be able to refinance it and drop your mother's name by quit claim deed if you qualify by yourself. This would save a lot of work rather than going through he process of a sale.

You would be considered a first time home buyer for FHA and can qualify for an FHA loan if you have at least a 620 middle score and 3.5% down payment. We are a National Direct Lender and have been in business for over 20 years. We are FHA/VA experts and can get you preapproved in a matter of hours. Please email your contact information for a FREE, No Obligation quote. Have you already selected a home to purchase? www.Mortgage-FHA-Rates.com

Title is recorded in your County Recorders office. These are public records. There is no way that you can hide this fact. You are a property owner. The mortgage is an obligation. .... Happppy funding, Rudi