An online service can produce a valid living trust; whether you should use one depends on how well you understand what a trust actually requires. The honest reality: many attorneys work from well-developed templates too, so the document itself is rarely the hard part. The hard part is funding the trust. Creating the document is half the job. Your properties and other assets have to be retitled into the trust, or the trust won't do what you intended and your estate can still land in probate. Someone who already understands that flow can reasonably use an online service. Someone new to trusts is usually better off paying an attorney, ideally one who handles a straightforward trust for a modest flat fee, so both the drafting and the funding get done right. One more nudge, since you own two houses: how each home is titled matters a great deal, especially with co-owners, because the wrong vesting can send your share somewhere you never intended. That detail alone is worth a professional's eyes. Whichever route you choose, confirm the specifics with an estate attorney rather than guessing. The cost of a mistake here lands on the people you leave the property to.