Your use of the word "we" is totally confusing. A loan does not change title to the house. Subject to repayment obligations on the loan, a house with a mortgage can be transferred at any time.
Your question doesn't really make any sense. If your mother is the owner of the house, she can transfer it to you at any time. Such a transfer may be a breach of the terms of the mortgage. You'll need to review that with an attorney.
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