Is it permissible for the mother to give her children from the Zakah (obligatory charity) of her money?
It is permissible for the mother to give her children from the Zakah of her money if they are Zakah-eligible recipients, and she isn`t obliged to provide for them.
Is Zakah due on the orphan`s money?
Yes, Zakah is due on the money of the orphan.
Is a woman`s neck an Awrah (private part)?
All Perfect Praise is due to The Lord of The Worlds.
It is an Awrah, and it is forbidden for her to reveal it before non-Mahrams (Marriageable men). And Allah Knows Best.
I want to buy a house by having a loan from a bank?
If taking a loan from usrious banks it is impermissible; on the other hand, if this took place through Islamic ones then it is permissible to get the loan, since Allah the Most Exalted Said (What means): "And Allah has made buying lawful and forbidden usury (riba)." And Allah Knows Best.