I want to add my mom's name in the land title (she is over 65) so I can apply for some disability assistant equipment. To be sure, I went to talk to mortgage specialist at BMO where I have mortgage, she demand I do not do that, stating that I'll have a hard time when I want to renew or refinance my mortgage. I was so surprise. Do I have to wait till I pay off my mortgage before adding her name on the title, she may be dead by then.

I'm a home owner for the first time. Thank you