“The lawyer insists this is normal. Is it normal?” (Photo subjects are models.) - Getty Images/iStockphoto Dear Quentin, We are writing a trust and have three homes. Home #1: We are halfway through a 15-year mortgage on it. Our adult child rents the home. After it’s paid off, or upon our death, we want to gift them the home, since they paid the mortgage. (The gifting might be delayed to delay the step-up in basis.) Most Read from MarketWatch Home #2: There is a 15-year mortgage on it, with about 12 ye ...