What’s my best at getting a personal loan of $90k with Wells Fargo?

I’m planning on getting a $90k loan with wells fargo so I could renovate a house that my mother will be giving me since she will be leaving to a different state. It makes sense to me to do the loan than to get a mortgage. I make 55k my wife makes 60 ish a year. My credit score is in the 720’s and my wife’s is bad. We do have $100k in savings at Wells fargo. We’re both 25 Also I will be …