I am a 70-year-old man with health problems. I live on $1,500 a month and help support my 82-year-old brother and 81-year-old sister who lives with me. I have a mortgaged house, only my name is on the mortgage but my brother and sister are on the title. I suspect I am near death and want my siblings to be able to live in this house the rest of their lives. What are the steps I must take to ensure their comfort?