An acquaintence sold us a home three years ago for 60k less than the appraised value. I in turn sold him my old house for 60k less than the appraised value. My credit was not good enough to put the new place into my name so My Mom did. She lives with us in a basement apartment. I thought I'd have my credit all fixed by now but don't. I don't know what to do now. My Mom is healthy but in her 70's. (Dad is deceased) I am an only child. I'm concerned what will happen if she passes. Will a irrevocable trust in her name give me some protection? From what I've been researching it seems that most of the time a mortgage company will just let the heirs keep paying the note. She does owe some large Visa bills though. Any help will be appreciated.