HELOC and Down Question

[Rene Martinez]

My mother wants to buy me a home, credit was damaged recently and am working my way back. She would like to buy it and I'd pay the mortgage. She has a HELOC loan already, can she add to that loan? Or does it need to be paid off first? Her current home is paid off. Then the down payment, does it have to be 20% down or can we put down as little as 6%?

We have a joint checking account; she has perfect credit and I have the funds to put the money down and pay the mortgage for an entire year or so. My money is heavy in crypto, had a lender deny me recently because "it wasn't real money." 🤦‍♂️