I am currently playing a mortgage
If you have a will or revocable living trust then you can add them. They cannot be added to a mortgage. Contact an Estate Planning and Trust attorney.
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The cheapest thing, is to deed a life estate to yourself and name the beneficiaries who will take upon your passing.
In Maryland, only an attorney can prepare or supervise the preparation of a deed. Here a life estate deed needs to be prepared to add beneficiaries to your home. There are two types with and without powers which you need to discuss with the attorney you retain for the above purpose.
Good and helpful answers provided here already. Speak with an attorney about the liability, tax, and benefit implications (medicaid) of a life estate deed with or without powers vs. a trust.
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