I mention this to point out that probate can be expensive and time-consuming. It is well to avoid at all costs - and yet I personally have not been able to work a way to avoid it at my death. In California probate kicks in if the estate is valued at more than $100,000, even if a large portion of that amount is still owed! As in a loan for a house. This is where I have the problem. I have a loan on my mobile home and the lender refuses to put it in the name of my revocable trust. I can understand the hesitancy because they want to be sure that the person who takes over the loan is qualified. But if my daughters were willing to take on this charge it would affect their credit adversely. Not a good situation.
The solution would be to own the house outright so I can move it into the trust. But that's not realistic yet. I should chat with an accountant.