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my parents have 10 years left to pay on their mortgage. they want my husband and i to add an addition on their house for my husband and i to live. the house is left to me in their will. but what happens if they pass on before the house is paid off, or what if they go into a nursing home? the state could then step in right? will i lose the money i put into the addition of the house? how do i protect myself?

Get a lawyer to help you structure this. You'd probably want to buy an interest in the property from them to protect yourself