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Hi and welcome back to JA. Ray here to help.You can sell the properties and pay off the loans.If you want to shelter the funds then you may looks at a medicaid qualifying annuity .This is a short term annuity that allows you to receive payments over a year or two that are then exempt as a resource.The risk here is that if you die during the period medicaid gets the payments.
But the reward is that the funds you receive from the annuity are then exempt from medicaid.
You may also spend down any funds you receive from the house sale to prepay your funeral , medical bills ,care ,etc and then you would be eligible for medicaid once the funds are spent down or sheltered.
But you can sell the properties here and then try to shelter the funds here.
I appreciate the chance to help you tonight again.Please let me know if you have more follow up.Thanks again.
More about sheltering funds.