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Jonny,
Not sure if there is a question is your statement but here is some advice, for what it is worth. Don't freak out (just yet) find out why & what her intentions are first. It could be on the advice of an attorney or financial planner for her to have done so. (I'm hoping) And also you did't mention who the other co- guardian is, seek out that individual comments/concerns as well. Good luck, be well.
Joe
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Who is the co-guardian?

Something about this does not sound right because now she owns those two homes.
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Just a thought. If your sister is doing some planning ahead for Mom's expenses, she may be doing exactly the right thing to have the assets available for a health emergency. Otherwise, a bad situation can break the bank. Check it out with her. Having extra property means extra taxes and upkeep, especially in this economy. A friend of mine, one of four kids, planned ahead and saved the day when her father-in-law had to go into the hospital and had huge bills, not all of which were covered by Medicare.
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