I even got my personal friend, a Medical Doctor for 30 years, stop by every once in a while to check on her.I don't expect any physical rewards for my charity because the best rewards is the gift of giving.

if you have a property being gifted to you would you still need title insurance?

It's pretty much a gift.

Gifts received are not taxed in any way on the receiving party.

I am wondering if this would cross any legal boundaries, as I am not an agent, and whether offering a gift card instead would be a much safer avenue than a "referral fee" to advertise this reward. 

@Zachary Martin There are several pitfalls you will need to avoid - the biggest one off the top of my head will be avoiding the mortgage buy-out being classified as a gift.

But I can say that you'll have trouble with the IRS on a 0% loan: the rate discount would be taxed as a gift, I believe.

@Bill Exeter if I were to acquire the property from him in a gift equity transaction would I have to wait 2 more years after this transaction to be eligible for the primary residence exclusion even though I have been living here for almost a year?    

She would owe gift taxes on a gift that large in a single year.

Reason being that a $1 "sale" is really a disguised gift.