My mother in law is 93 years old and still lives in her own house. Several years ago my husband and I loaned my in-laws a considerable amount of money to cover years of debt. We created an official mortgage on their home that we hold, with signed and notarized mortgage documents created by our lawyer. My father in law is now deceased and my mother in law is requiring more and more care. I'm not sure how far we are from having to make a decision for her to live in some sort of assisted living facility. My question is this - should the house be transferred to my husbands name? Or should he be made joint owner? I'm concerned about future Medicaid issues and if they can take the house from us even though we hold a mortgage on it. Does anyone have any experience in this?