My Mom Wants To Put Her New House In My And My Brother's Names

Location: Allegheny County, Pennsylvania

My mom is moving and she wants to put her new home in my & my brother's name. This seems very weird and like a bad idea to me. My grandfather passed recently, and she's planning on moving into his place. She's selling the house she lives in currently and is going to buy out her brothers' portions of the inheritance. She has no immediate plans to move, but it's going to be in the next year or so.

When she was talking about it the other day, she mentioned that she wanted to put the house in our names instead of hers. She said it would be to avoid inheritance tax in the future, when the house eventually becomes ours. She said she would be paying for everything while she lives there.

That's a bad idea, right? Both my brother and I are still pretty young, me 27 & bro 25, and neither of us own our own homes. Won't we have to pay property taxes on it, even if we don't live there? My mom is in her early 60s and in good health, so she's gonna be living there a while. Wouldn’t the property taxes be more over time than a one time inheritance tax? Also, I'm worried it would affect any help we would be able to get as first time home buyers in the future. Its still a little far off, but I would like to own my own home someday. Does owning more than one home have tax ramifications as well?

Wouldn't this also technically make us her landlords? Would we be responsible for all the stuff a landlord is usually responsible for? Would we have to get insurance or could she insure the place herself?

The whole thing just seems like more trouble than it's worth, but maybe I just don't know? I've never actually looked into buying a home too much, cause shit is way too expensive right now. My mom has a lot more experience with this kind of thing, plus she has a financial advisor and tax advisor she talks to. I don't know if maybe she talked to them about it or if this is something she came up with herself. I did try asking her about it more directly, but she's been brushing me off. She thinks me and my brother are idiots, so she doesn't take my concerns seriously.

My mom is kind of a big baby, and is always trying to push stuff that should be her responsibility on me and my brother. I think that's probably what's happening here, but I just don't have enough experience to know for sure. I can't afford to talk to a financial advisor, or tax advisor, or lawyer like she can. Would someone be able to explain the legal ramifications of this?