Mom has life estate with grandaughter (30 yr old) so when she dies grandaughter will get her home but can mom make provisions for grandaughter to pay for her funeral expenses from proceeds from home or refinance to pay for it. grandaughter has refinanced home many times in past and many times took out extra money and kept it.
That's right, MERP will be showing up when mom dies and demanding their share. NO? don't believe me, go see an Estate Lawyer..
Don't kill me, we're in the same boat.