Q: Can older sister step in and take over half my house since mom is on the deed as borrower when and if mom dies.
A: Being on the deed and being a borrower on the mortgage are two different things. Being on the mortgage is irrelevant but if your mom is on the deed to your house and she leaves her portion of the house to your sister in a will or dies without a will - then yes, it is possible you will sharing the house with your sister. This is assuming of course you are on the deed as well or your sister could end up owning all of .
Mr. Albert Loch Saslow agrees with this answer
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