Because your mother is the sole owner, a home improvement loan secured by the home would have to be obtained by her or someone authorized to act on her behalf
such as yourself if you are acting under either the authority of a Durable Power of Attorney or a guardianship. Even with the authority to obtain such a secured loan on her behalf, however, her income may not be sufficient for a bank or other lending institution to grant the loan. However, if you choose, however, you or someone else could co-sign the loan, in which case the loan would, most likely be granted. In that event you would want to make sure that your rights to reimbursement from the property is secure, such as through a second mortgage with sufficient equity in the property to insure that you would not lose money. You also would have to make sure that there was sufficient income of your mother to repay the loan as a part of her monthly budget. If not, you would have to determine whether you are willing to assume this cost with the condition that you be repaid at a later time.