Is it permissible to resort to trickery to obtain a real estate loan to pay off a sum for my mother, and is this halal or haram?

Real estate financing has two rulings: it is either permissible if the bank genuinely purchases the property and then sells it to the client, or it is forbidden if the bank pays the price to the seller on behalf of the buyer and then takes more from the buyer in installments, which falls under the ruling of a usurious loan. The scenario mentioned in the question is impermissible because it is a stratagem to obtain cash without a genuine sale or purchase.