None of use can afford a lawyer, unfortunately. Mom has a will, and her health is failing. This is what she wants and I am fine with it. I spend time with and look after Mom daily, and she keeps saying she will be gone by Christmas (?!). It worries us both. We have considered a codicil, but don't know if that will work. Can they just go to the courthouse and add it onto the deed? The problem is, probate will take 6 months we are told. Neither of us can afford to pay the utilities or property taxes. I am permanently disabled, so am on fixed income. My sister had to ask Mom for a loan because the loans and credit bills were eating her family income up. They took out a loan against Mom's paid for home, and she is making payments regularly. Can anyone tell us step-by-step how to proceed?