TS, just to share my story.

My brother bought a house. The house title is under his name alone. But, loan agreement was under his name and me. And recently we agreed that he own the house and continue paying the loan alone. After few months, he told me he already refinance the house under his name alone. The whole process i was not involved.

So, i think if the house title is under your mother's name, it is an easier process. Just need to talk to the bank you want to refinance the house with your mothers name only.

Hope it helps