I'm Doug, and I'm sorry to hear of the confusion. My goal is to provide you with excellent service today.
Placing your partner's name on the title to the property makes the property part hers---as much as 50T% hers depending on the language in the deed.
You cannot prevent an owner of a property from encumbering it to the extent of their equity in the property---whether the encumbrance be voluntary or through a creditor lien.
You can leave the property to her through a will---but that will involve probate. You can name her as a joint tenant and then the property passes to her on your death---but she would be able to encumber it.
The safest way to avoid probate, get the property to her death and not risk it being encumbered would be to place the [property in a Trust Agreement with her as the beneficiary
of the trust. The property in the trust would pass to her on your death and the property would be in neither of your names, but rather in the name of the trust. She would then feel that the property was hers as well as yours.
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I wish you and yours the best in 2015,