I purchased my first home at 31 and my mother also pushed me to buy earlier than that. (Renting is throwing your money out of the window - that is true). I didn't have kids either or even a bf at the time but that has nothing to do with it.
Home ownership is an 'investment' - same as putting your money into the stock market (so be careful WHERE you buy and WHAT you buy. It's just that you are living in your investment instead of looking at it on paper. The big rule - you want to buy something that you can one day SELL and make a PROFIT off the home, just like stocks. Long story.)
And 'permanent' is relative. Nobody your age would live in a house .. permanently chances are. I would say you have to live there for at least 3 years to earn back at least the money you into it originally. But I would say 5 - 6 years would be long enough to live in your 'starter home' before you sell [up] and buy something else.
I didn't know how to buy a house either of course, but my mother got herself in her car and drove the 9 hours to Atlanta to SIT WITH ME several weeks, pay down my bills, and help me find and buy the perfect home. Beautiful place. Since then I have purchased 4 houses on my own - 2 of them here in this new country.
Once you go through it the one time ... you can purchase subsequent houses on your own. But IMO you need your mother or father to help you (or someone you trust) that first time around.
But how long have you been working in your career? If it's too short of a time ... you are not going to qualify for a mortgage anyway.
You have get your credit in order, have 10% in cash to put down on the house, have savings for mainteance (like your oven stops working, or your hot water heater needs replacement etc) and have a stable income so .... is your mother willing to help you?
What you could do on your own to is to make an appointment with the mortgage lender at your bank to discuss how you can get a mortgage - based on your income. Every mortgage lender is different but right there, they will tell you what you qualify for, or what problems they already see. That way you know what you need to correct etc and so when you decide you really are ready to buy ... you will know what to expect. (Mortgage lenders lovvvve to talk to you.)
Otherwise, though I think your mother is trying to help you prepare for your future - maybe she is putting unreasonable pressure on you to buy a house at this time.
I know A LOT about buying a house so if you ever get serious about it - contact me and I will tell you what I know.
Edited by Printer_Ink - Feb 21 2014 at 1:25am