In my capacity as a real estate agent I have witnessed multiple legal nightmares due to senior homeowners not being properly legally prepared when normal life events like death or incapacitation occur. In one situation a retired man owned a home and his new wife had moved in. Unexpectedly he passed away. The house was only in his name and he didn’t have a will. The wife was left in a very difficult situation where she couldn’t afford to pay the existing mortgage due to losing his pensions upon his death. She needed to sell the house but was unable to as the house wasn’t passed to her upon his death