Location: United States
Throwaway account because this contains a lot of personal details.
My mother (59) has been the primary caretaker of my grandfather (89) for the last 8 years. This has involved her living with him in his home full time until he broke his hip last spring. Since then he has been living in a long term-care facility.
On paper, everything is in my grandfather’s name. The home (fully paid off), utilities, taxes, repairs, etc. The will is outdated but has all assets being split between my mother and her two siblings. As far as I know the house is not in a trust.
Because my mother has been living in the house for so long does she have any claim to the house? She is concerned that if something were to happen to my grandfather she would end up homeless.
What should be the best case of action to ensure my mother has a stable living situation in the future?
Also worth mentioning, my mother does not have the financial means to buy the home at market price or to buy her siblings out of their portion. Anything aside from my grandfather gifting her the home would require her to take out a loan.