My grandfather passed away in September and now my grandma has listed their home for sale. What she pays for the mortgage is cheaper than what I pay in rent each month. I want to buy the house from her but I don’t qualify for a mortgage. She’s agreed to let me just take over the payments on the mortgage but I’m concerned that she won’t live long enough for me to finish paying it off and her to transfer ownership to me. I’m wondering if there’s a way we can do this that transfers ownership while the mortgage is still going. Can a will do this? Could we maybe refinance with me as a cosigner?