Sounds like she wants her first time to be special, sounds like you dont give a crap about making her first time special.. which is sad.
And the chance of your mom walking in? thats really retarded, first timers should have the oppurtunity to take their time, really slow, so its comfortable and time to lay around naked afterward, not a quicky on a couch in a parents house. Why dont you wait till you get your license then you can drive to any private location you want.