You used to be able to show that she is making the payments on the mortgage via bank statements. You typically need 2 yrs bank statements. You can also send the bank statements to TRW and Equifax, the credit agencies, to clear your credit. It probably won't rescore your credit right away (to get a better interest rate). You should try looking into a mortgage bank, not a regular bank, for your loan. The Loan Officers at a mortgage bank (not a brokerage!!), try much harder, and the loan is backed the that bank -- a mortgage bank means they draw on their own line of credit, and therefore work hard to make sure everything works in your favor, becuase then it works in their favor! A broker will usually work as an agent for a bunch of different banks and has no real responsibility other than collecting your documents and sending them to whatever bank he uses, then charges you a "yield spread premium" which is his cut on the mortgage (usally a point or two), plus he makes a kickback from the bank, which is also a pretty hefty sum. Whatever the case may be, a mortgage bank is, to me, a more secure loan for you. I used to be a mortgage banker (go figure, har) about 2.5 yrs has passed since closing my last couple of loans and i'm not sure w/ how the markets have been faring, how the loan structure has changed, so maybe the banks are not willing to lend to anyone w/ a late mortgage payment (they usually are willing to, if it's just once or twice, by charging you an extra half point interest), if more than 2 tho, it just looks like too big a risk. If the trailer loan is in your hub's name, it would just be a "second home" or you can show that your mother pays via the bankstatements or you can even call it rental income. The banks you've been going to are not helping you. I wonder if there are other things on your credit that are holding you back. If the income is there, and you have pretty clean credit, you should be able to borrow so long as you aren't exceeding a certain percentage of your income on housing (think it's up to 44%, depending on how much credit card debt is outstanding besides the house payments). I'd get mom-in-law to collect those bank statements for the last 2 yrs so you can bring those to your next appointment, and contact Trans Union to ge ta copy of your credit to see what's on it. Maybe one of the banks you worked w/ can send you a copy (they might charge you tho, banks are always charging for something :).
Good luck! Let me know if you have any more questions. I don't do the job anymore, but can still answer and help. N