Will mother being listed on mortgage affect her future benefits for Medicare and such?

PS

Medicare has nothing to do with Mom being on a deed. Its health insurance we all are entitled to at 65. How much or how little money you have does not effect you getting it. Medicaid goes by assets and monthly income.

If Mom is not on the deed then she has no interest in the house. Look at your property tax bill. Is her name listed on the bill. I don't think being on the Mortgage counts. She is probably there as a co-signer with you getting credit for the payments.

When you did the Trust, did Mom sign anything, like turning her 3rd over to you? Was it disgusted with the lawyer that she was on the Mortgage? When was the trust done? Look back for Medicaid is 5 years.

There is no such thing as a Mortgage deed. You should have the deed in hand. It should be filed with the County Clerk for tax purposes. When the Mortgage is paid off, you take the paperwork to the Clerk and they make a record that the Mortgage is paid off.

Like I just did for my grandson. I co-signed so he could get a car but he gets credit for the payments, the title is in his name and so is the registration. Its his car. I am only responsible for payments if he defaults on the loan.

Medicaid rules differ by state. No one on this forum can give you airtight legal guidance. Consulting an elder law attorney and/or Medicaid planner would be money well spent. In many states the Medicaid app “look back” period is 5 years.