My wife and I want to purchase a bigger home so we can move my mother in with us and care for her. We are in Pennsylvania. We could not afford the home without putting my mother on the mortgage. Her Medicare, Social Security, and pension will allow us to qualify for the debt to income ratio to afford the new house. Once we sell our existing house we will have a profit to refinance and take my mother off the mortgage. What penalties or problems can occur with her benefits or getting her name off the mortgage?