Building Muscle Mass and lowering body fat %

you cannot gain muscle and lose fat at the same time. (aside from VERY rare circumstances, which will always stop working after a month or 2)

the point of lifting while in deficit is to retain lean mass in order to maximize fat loss.

Regardless, the workout you do is the same for both goals. the only thing that really changes will be your diet. Pick a beginner full body strength training template and go wild. SL, SS or NROLFW. any will work.

Building muscle mass and lowering body fat % is two separate things and can not be done simultaneously.

Building muscle mass is done by eating at TDEE plus additional calories (I do an additional 250 calories).
Lowering body fat is done be eating at a deficit of your TDEE, anywhere between 5-20%.

When losing weight, you lose both fat and muscle. Therefore it is very important to incorporate strength training into your workout routine to reduce muscle loss. Look at it this way. Using your muscles and forcing them to perform will tell your body that you need your muscles. Therefore when it looks to drop weight it will lean more towards dropping fat because it knows you are using and need your muscle.

Many women are afraid of lifting because they don’t want to look like a she-he. Women do not have the right hormones to do so; it takes A LOT to look like that and you will not even come close to it. New Rules of Lifting for Woman is a great book for beginning lifters. Explains how to do the moves and gives you a workout routine.