WHY ??? Adding another person to my title $$$

[JDeborahCoss]

Different states have different laws with regard to estates and gifts and such. It may be that the state thought you were gifting half to your other... So, try contacting AARP to see if they have any help, or your local Grey Law if you qualify, or any free legal assistance programs in your area that help you to understand how to word it so that it does not appear to be a transfer, or sale, or gift.