My husband and I are both listed along with my mom as Joint Tenants.
OK. Then the house goes to you and your husband when your mother dies.
But what happens if she lives?
Never forget that she is an OWNER of the house.
Before you start paying down the mortgage I suggest you get some sort of written contract with your mother as to how the proceeds will be split when you eventually sell the house. And have a lawyer draw it up and get it right.
If you don't do that, the check from the escrow company will be made out to all three of you when the sale closes and that is NOT the time when you want to get into an argument of who gets what because the LEGAL presumption is that she gets 50% no matter who put in how much of what money for what purpose.
Blood might be thicker than water but love goes out the door when money comes in the window.
If you don't take care of this now and one day you need her signature to deposit the check you will ge giving her half of it or you will be giving a barrelful of money to a lawyer and he will be very happy that you didn't plan ahead.