Pretty much the issues I asked the questions about, when the Life Estate is created, if declined is house now is part of shared assets. I did have a heart-to-heart with the office and they are now doing their research... I think they had a paralegal or somebody trying to field the issue. They promised to run whatever they come up with past me first before sending copies to my brother, thats why I was trying to get things clear in my head.
Reviewing a lot of other posts on this site and others has been invaluable. Certainly gave me the amunition to challange what my brother was saying.
Thanks for this site and the help, it is appeciated!

