A park model trailer is a depreciating asset that could disappear tomorrow. Banks tend to be conservative.
Do your mom a favor and have her talk to a financial guy to get an independent view of her participation in this deal. You shouldn't go with her to this meeting. If you need a co-signer, it usually means you aren't a good risk and she will be on the hook for it if you fail to pay off the loan. Now if she's worth $5mil, it may be no big deal if she has to cover a $20k loan for you but if she's not worth a lot and the loan is big...having to pay off this loan will really impact her retirement, you are asking a lot of her.
