Although you can list the house in your wills your husband could change his will in the future. One way of doing this is to place the property in an irrevocable trust. Another way is by granting a deed to your son but reserving for you and your husband a life estate. In either case you should discuss this with a lawyer who can provide you guidance after understanding all the facts.
The above statements are provided as general information and not intended as legal advice. Each matter has its own set of unique circumstances that cannot be adequately addressed without consultation. You are strongly advised to hire an attorney licensed to practice law in your state to represent you.
It can be done, but not without a lawyer. There are a couple of ways to do it. Stay away from those document preparation companies. The legal fees should not come to more than $1000 or so. It will be worth it for your peace of mind.
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Given your ages and the possibility that you may need Medicaid to cover nursing home costs in the future, this is not as simple as it sounds. You should consult an elder care lawyer, so your entire situation can be considered, while trying to see that your son gets your home. If you would like my assistance, you may call me at (810) 664-1388.
I am licensed to practice law in Michigan and Virginia and regularly handle cases of this sort. You should not rely on this answer. You should consult a lawyer so you can tell the lawyer the entire situation and get legal advice that is precisely tailored to your case.
Given the facts you have mentioned so far I would do a Ladybird deed, with a restricted power of appointment. I think an irrevocable trust or other more expensive lawyer work would be overkill. If you have email, we can deal with most of this by email for less than $100.00