Legal Question in Banking Law in California

Presumably, the lender wanted your Mom as a cosigner because the lender wanted additional security. For example, your credit rating may not have been sufficient to support the loan. Maybe, your income was not enough. There could be many reasons for a lender requiring a cosigner.

In a nutshell, you will need to request that the lender releases your Mom. A good tactic would be to show the lender that the weakness in your application, at the time the loan was made, is resolved. Perhaps, your income has increased or your credit score is better.

Of course, another way to remove your Mom from the loan is to get another loan that pays off the existing one.

Good luck.