No, there is no way to add her to the mortgage without with refinancing: the mortgage is a contract between you and the bank/lender, and the contract cannot be changed, including by adding another person to it, without the consent of all parties, including the bank/lender. Banks never allow changes like this without refinancing--they want to do their due diligence again, and make sure the change is good for them, and they want their refinancing fee. If the mortgage is low, if you and she could pay it off, at which point, without a mortgage, you could give her an interest in the home free and clear, without worrying about what a lender will allow.