I wrote that in French law the bank can not take away your property. If you owe money to a party (like the bank), the only thing that the bank can do is ask you to pay and if you do not pay, they can take you to court seeking the sale of your property at a public auction to get payment of the debt. After the public auction sale, any money left over will go to you. However, I also wrote that the bank will have to start a procedure with registerd letters requesting you to pay and if you do not respond, they will start the court procedure seeking to sell the property. The court procedure is quite long and not automatic because the debtors (you) can ask the French court to adjust the payment of the amount due (for example, you can ask the court to allow you make monthly payments of the total amount due). The French judges tend to accept the monthly payment proposal that are serious and reasonable before selling any property in a public auction.
You also asked:
'Is there a way to secure own home in France, e.g SCI, gift to son with usufruits for life or any other option? we will probably be non resident shortly until my husband retires in 2021
The only way the secure your home in France is by it not being in your name, like a SCI, a gift to a trusty family member with who you have a very good relation with usufruit for life. any situation where your name will not appear in the French records as a home owner.
As for advising you, please understand that it is against the JustAnswer policy to advise customers on this website. This site allows for a general response that will help you with your legal issue. If necessary, for specific advice contact a local French attorney. While I am indeed a French lawyer in Paris, again on this website, I am just a French law expert answering questions on French law and on my free time. I did not advise you, I just answered your question in accordance to what you can do under French law.
In fact, in order for me (or any lawyer, solicitor, or barrister) to counsel someone and tell them what they should do, I would need to see him/her (in person or on the phone), see all his/her documents, see all his/her evidence, get all the facts, understand the whole situation, ask a lot of questions, and establish a formal attorney client relation. In fact, the Just Answer disclaimer clearly states the following: "Posts are for general information, and are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), and do not establish a professional-client relationship." No attorney client relationship has been formed.