Losing my virginity

I’m 18 just for reference.

I feel like I’m emotionally and physically ready to lose my virginity. I’m not planning on waiting until my marriage but I do want to wait for someone who’s special and really gets me going.

I’ve met this guy who I am really attracted to and like and if the time came I would feel comfortable to lose it.

My problem is that my mum wants me to wait until marriage and I feel if I did lose it I would be disappointing her so much.

What should I do?

Update: Thank you so much for the responses! I think I will do what’s right for me and when the time comes I’ll sit down and explain everything to my mum.