I am so sorry for your loss.  It sounds as if the deed as it stood did not leave you with "rights of survivorship" on the property so the bank needs to see that you alone are inheriting the property from Mom.  So they want to see that you have submitted her estate in to Probate (the Will is there was one or if not then an Administration as per the Intestacy Statute) and been appointed as the Fiduciary (Letters Administration/Testamentary) and the lineage of who inherits (Affidavit of Heirship/Succession).  If Mom intended to trasnfer the property to you and executed a Deed that Tranfers the property to you directly then that would suffice in lieu of the probate documentation.  Muster up enough money to consult an attorney in your area.  Good luck.