In preparing for retirement, my girlfriend and I are planning to payoff a substantial portion (~2/3) of the mortgage principal balance within the next 30 days and pay the remainder over the next 12 months. At present both the mortgage and the property title are in her name only. Since we are both making a significant investment, we want to make sure that if something would happen to either of us, that the property would go to the survivor. Should we have the title reissued in both our names before beginning the accelerated payoff or could we draw up a some form of legal document between us that could be notarized and would serve as a valid conveyance of ownership?