You should look into a reverse mortgage for your mother. Just needs a down payment and closing costs. No monthly payments for a mortgage. Since your credit isn't good, you should use the money that you have set aside for the mortgage payments to bring down the balances on your bills.
Depending on your credit score, you may still be able to get a loan. Alternatively, there is the rent to own option or land contract - both of which require a substantial down payment. If you would like to talk about how we can refer you to someone who can help you with credit issues, as well as credit plans for housing that could be helpful to you, please feel free to call or text me at 9376239441 or email me at ginakay dot Landis at gmail (dot com). Look forward to chatting with you:).