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  1. You could protect yourself, and pay off their mortgage. Nothing prevents you from "Loaning them the money to pay off the house", and recording your mortgage lien against the house. So when they pass before the house could be sold or title transferred, your lien would have to be paid.

  2. You could do a private reverse mortgage or something- you’ll need a good real estate lawyer involved and possibly an estate attorney and it’ll be easier if your siblings are on board as well.

  3. Buy part of the house, or refinance it on very favorable terms and list yourself as lienholder (make sure you get a good lawyer to do this and make sure the lien is enforceable against creditors)

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