Q. I live with my 79-year-old sister, her daughter and granddaughter. She has a reverse mortgage on the house and I’m now old enough, at 64, for my own reverse mortgage. If my sister dies intestate, her daughter is too young to be eligible for her own reverse mortgage, whereas I could liquidate my IRA to pay off the reverse mortgage on the property. So, can the house be put into a trust in my name to avoid sibling estate taxes rather than a will, so I could qualify for another reverse mortgage without us having to sell the place? — Sister A. There’s a lot to consider here. Before you do anythi…