To make sure she want have to probate and she pay on morgage, she's interesting in it helping her credit score
You can use an enhanced life estate deed (also called a Lady Bird deed). This shouldn't trigger a change in the mortgage, but you might wish to check with the mortgagee.
Adding your daughter to the "title (deed) is a simple matter of making a new deed, however most likely your mortgage contains a prohibition against transfers that are not expressly authorized by the lender. The consequence of making an unauthorized transfer is that the lender can demand the balance of the mortgage, in full. If you want to add your daughter to the mortgage, you should call the lender and ask what they require. Best of luck.
Tale your docs to a good real estate lawyer for a reading. Many lenders have no objection to adding a relative to the title but or will require a deed
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