We are in California. My father suffered a stroke and is currently in a skilled nursing facility. He has applied for Medicaid. We expect him to recover and return home. Our desire is for my father and step mother to sell their house, we will sell our house and buy a home jointly for all of us to live together. Because we would be paying the bulk of the mortgage we obviously want to protect it in the event of my father and stepmother's passing. We need them on the mortgage to help qualify. If my stepmother and myself are both on the mortgage and deed (but not my father who is the Medicaid recipient) would it be protected from estate recovery at the time of both of their deaths? My understanding is that an irrevocable trust would protect it but would not be allowable with a mortgage on the property.