I can give the answer to you for Massachusetts where I practice, but you will need to consult with an Arizona elder law attorney to determine if it’s the same result there. Here, your mother would be able to keep the home as long as she stated on her application for Medicaid benefits that she intended to return there. Then at her death the house would not be subject to claim because it would pass to you without going through probate.
For more on the different ways to co-own property, click here.
For more on Medicaid's estate recovery rules, click here.