Hazel, what is it you're really trying to accomplish? Do you have the funds to pay off the property (discharge the mortgage?) but your mother doesn't? Is your mother getting Medicaid? Who lives in the house? You wrote "She lives me" but it's not clear if she lives with you in your house or vice versa.
If you inherit said property via a Will or through probate you could put the property in your name. When you say "unpaid property" do you mean there is a mortgage on said property or are there back taxes to be paid?
When it comes to a Deed, your name can be placed easily.... when it comes to the mortgage that is different. If there is a mortgage you would need to check with the mortgage company to see if there is a pay upon death clause. If there is such a clause, you would need to obtain a new mortgage or pay off the old mortgage. Otherwise, let the mortgage company know you will be paying on the mortgage.
Are you living in the house in question or is this a vacant property somewhere else? If the house is vacant, do you still have home owners insurance on the property? Many insurance carriers do not like insuring vacant houses, and will cancel the insurance after giving you notice.... now if no one gave notice the house is vacant and there is damage to the house, the insurance carrier may not cover the cost of repairs. My parent's house is vacant, I told the insurance carrier and as long as the house is up For Sale they will cover for any damage.
In the case of a house with a mortgage, the bank calls in the mortgage upon the death of the owner. All outstanding bills are paid off by using assets from the decedent's estate. The house will likely be sold. Nothing stopping you from being the buyer.
When it comes to a Deed, your name can be placed easily.... when it comes to the mortgage that is different. If there is a mortgage you would need to check with the mortgage company to see if there is a pay upon death clause. If there is such a clause, you would need to obtain a new mortgage or pay off the old mortgage. Otherwise, let the mortgage company know you will be paying on the mortgage.
Are you living in the house in question or is this a vacant property somewhere else? If the house is vacant, do you still have home owners insurance on the property? Many insurance carriers do not like insuring vacant houses, and will cancel the insurance after giving you notice.... now if no one gave notice the house is vacant and there is damage to the house, the insurance carrier may not cover the cost of repairs. My parent's house is vacant, I told the insurance carrier and as long as the house is up For Sale they will cover for any damage.