Hello Kim.
The simple answer is that as a woman, you can not become a Regular Freemason. Freemasonry is a men’s fraternal organization, just as there are women only groups (Red Hats for example), Freemasonry by tradition has always been for Men only.
You may have heard of “Masonic” groups that allow women, such as co-masonry. Just know that while similar in concept, these groups are not recognized by the international standard to which Masonry is accepted. Therefore, members of this and other clandestine groups would not be recognized as Masons in most lodges in the world.
There are organizations that are associated with Freemasonry that allow women, such as Eastern Star, but these require that you be related to a Mason to join.
As to the issue of you being transgender, I’m not exactly sure how to approach it except to say that if you are living as a woman, then you have chosen to forfeight all rights to Masonic membership by declaring yourself a woman. I don’t know of any regular lodges that would view it differently, but I may be wrong.
Best of luck to you.
