My daughter and I have joint tenancy on a home. I want to move because I am considering retiring.
She does not want to sell, and my income will be limited.
This answer depends upon whether there are any liens (such as a bank mortgage) on the home. If there is a mortgage, the deed utilized is usually a 'quitclaim deed' so that your daughter continues to be liable on the mortgage note, but then you have 100% title. I have never heard of a 'gift deed' being used to transfer real estate in New York State, actually.
Quitclaim deeds are used if your daughter has not paid for any lien search; then you don't really know whether the real property has liens upon it (perhaps prior taxes?) and so your daughter has not made a warranty to you that there are no liens on the property.
You will likely want to give your daughter a quit claim deed. There are many factors that you do not mention. Consult with a local attorney.
I have never heard of a gift deed. Even if you quit claim your interest in the property to your daughter, you would still be liable on the mortgage so be very careful what you do and seek sound financial as well as legal advice.
My answer to your question is for general purposes only and does not establish an attorney-client relationship,
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