Homebuyer's tax savings plan foiled

Q: I recently got into contract to buy a foreclosed home. I put $35,000 down, and the closing is in a couple of days. The first day I hired my title attorney I mentioned to her that I wanted my mother to be on the deed in order to get the taxes reduced. Now, the lawyer is telling me that I have to wait until after the closing, do a new title search under my Mom's name, and pay the attorney again to include my Mom on the deed. I feel like it's too late to stop everything now -- what did I do wrong?

A: It used to be the case that you couldn't put a co-owner who was not also a co-borrower on title during the course of a purchase transaction.

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