Its entirely possible you have a hormone problem. I don't normally recommend lying to doctors, but if you tell them your mom has the same problem they will absolutely dismiss it as hereditary (instead of considering that the abnormal hormones might be hereditary). No doctor would check my hormones for years because I have an Italian grandmother. They were wrong!! Hormonal imbalances you can't believe...
I'd try an endocrinologist if possible. I'm using two prescriptions right now to help. Spironolactone, which prevents new hair from sprouting, and Vaniqa. Vaniqa is only approved for facial hair, but my endo and dermatologist both say its safe for me to use it elsewhere.
Some women are that hairy naturally. Which does have a lot to do with heredity. Even then, I'd think meds could help. But it sounds like you're suspicious about hormones and I say follow your instincts. Especially if it gets worse with time. It will help convince them if you have any other symptoms, like weight gain, acne, or irregular periods.