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Radiant_Ad_6565 t1_j7bv35u wrote

If the mortgage is paid off, your father can quit claim deed the house to you or a sibling. He can also gift you any cash assests, annnuities, CDs, bonds etc.

The caveat is that the state can retroactively attach any assests he disposed of. Ohio goes back 5 years, not sure about PA. So you hope he lives that amount of time and a day if you go this route.

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