What to do when your girlfriend is hesitant to be intimate?

I've been speaking with my girlfriend for about 1 year, and we've been exclusive for about 7 months. Things have been going pretty good and I really like her. We both currently live with our parents. Not because we can't afford our own places, we both have reasons that are too long for me to go into. Just know we are both financially stable. We often go out to restaurants and do certain activities such as bowling, movies etc... Most of the time I pay, but sometimes she pays. The biggest issue has been intimacy, it's nonexistent. We have kissed, cuddled up at park, movie theater and other places. Because we both live with our parents, and we both have really religious parents, we are unable to go to each other's houses. I've suggested us getting a hotel, but she always says, "I'll let you know" or "We will see". I've brought this topic up before and she gets uncomfortable when I do. At the end of the day, we are adults and intimacy should be part of our relationship. She tells me that she is waiting for the right person to have intercourse with (she told me she is a virgin), I am not. She mentioned if it happens it happens between us. Honestly, I feel like she doesn't really like me or else it would have happened already. I saw the signs and chose to ignore them because I really like her, and she has a lot of great qualities. But my brain is telling me I might be wasting my time. And she is only using me to go out and have fun. I feel I need to have this conversation with her one more time and be very direct and let her know if she is waiting for marriage, she needs to let me know that. So, I am not wasting my time. I've never had to wait 7 months or more to be intimate with a partner, and I would say I have been really patient. Just need advice on how I should proceed. We are going out tonight and I want to bring it up. She currently lost her grandma and has been dealing with family and work issues. So I am thinking maybe I should wait.