are you sure your mother' name is not on the mortgage? I ask because most lenders require that mortgage documents include the signatures of all the parties who hold title in a tenants in common property. In other words, you must all take out the loan together. Otherwise, if a lender made the loan to only one party or "tenant", only one person's portion of ownership would act as security for the loan. Lenders would not be able to seize the entire property in the event of default
also as tenants-in-common if one party dies the other doesn't automatically inherit the deceased party's interest.
