If you own the property outright, you're asking the right questions and it's particular to your own state.
If you have a mortgage, then you need to ask the mortgage holder. Why is your mother on the deed? Is she also on the mortgage note or a cosigner? If she is, has your credit and income dramatically gone up since the purchase? If not....and you needed your mother included to get the credit, why would you think you can swing it alone now?