I'm pretty sure you're not alone, Sweetsboi.I like to play with my boy in a similar way--and we switch roles, so I've played both sides of this one!
I started calling him "Daddy" right away when we first hooked up. Not as a serious role-play, but because he was totally dominating me in a very loving way, as a parent does. It just felt right.
When he wanted to switch and call me Mommy, it seemed really weird at first. I felt like a pervert. But he explained that he wasn't *really* thinking of his mom when he did that, or wishing that I was literally his mother--it was just a role that made him feel safe and loved, which is naturally the best foundation for loving sex. As far as my own head space, it's really important that I feel loving and protective, but also a little devious--like a big sister or aunt taking a kid to the mall when they're grounded. I wouldn't want to abuse my little boy; I just want to do show him something fun.
We've never gone as far as playing that one of us is a baby. Usually the bottom will take more a young teen kind of role--the child is curious about sex, or the parent wants to talk/demonstrate something about sex.
If your would-be Mommy doesn't like that particular term, maybe you could try playing with something else, like that you're a neighbor boy (any age will work) who comes over for some reason. You could call her Mrs. X (real name or play name). Then again, the whole point is to feel little and safe, and nothing works quite as well as "Mommy."
Well, anyway, good luck finding something that satisfies you and is comfortable for her.