How do I tell my boyfriend I'm ready to have sex?

This guy I've been with for 3 1/2 months and I are in love. we want to move in with eachother once we're old enough. and I'm ready to have sex with him because I want him to be my first and he wants to be mine. but I don't know how to tell him I'm ready. and also... we don't have a place to be alone... my house:my mom's always here......... his house:his mom,dad,sis,and bro are always there........... what should I do?? Help with both questions please!

You should be with each other a lot longer before you make that first big step...you are still in the new relationship energy stage where you can see no wrong with each other let the love fog settle down before you move on.....an dif you can't wait then you should tell him....make sure you know how to use a condom.......don't be fool for love

Next time when you are kissing or caressing or similar, you may say that 'I think I am ready to make love with you'.

if your not old enough to move in your not ready for that