It had a wide front porch, original woodwork, and a quarter-acre backyard that faced full southern light.

I made a $210,000 down payment and followed our attorney’s careful advice by keeping both the deed and the mortgage in my name.

The plan was to place the house into a trust when I returned, guaranteeing Mom the legal right to remain there for the rest of her life. Keeping ownership in my name protected the property from creditors and from anyone else’s poor financial decisions.