does the deed to our property protect us from probate it is listed ESTES KAREN J & RODGERS NANCY, WE ARE CO OWNERS NO RELATION.

While you can change the deed without drafting a Will (and a recorded deed trumps a Will and), you must check the terms of the loan agreement to make sure that the lender cannot foreclose on the home until both of you have left it for a certain period of time.  You should also consult with an elder law attorney.  While in some states Medicaid will not foreclose on the home (to recover the costs of nursing home care) while a surviving spouse lives in it, you are not spouses.  You can find an elder lawyer near you on the website of the National Academy of Elder Law Attorneys (www.naela.org).