What does every senior homeowner in Denver need to understand about estate planning and the family home?

The family home is almost always the largest financial asset a senior will ever own, and yet it is the one asset most estate plans treat as an afterthought. That gap between property value and planning clarity is where families get hurt. A clear, practical plan built before a health crisis changes everything. I spent years in long-term care, assisted living, and hospice watching families arrive at critical moments completely unprepared for what to do with the house. Not because they didn't care, but because nobody had walked them through what a steady, respectful plan actually looks like. Investors and opportunists were ready to step in the second vulnerability showed. That was the part I couldn't stop thinking about. The choices you make now, while time is on your side, are entirely different from the choices available during a medical event or a probate process. Titling, co-ownership, when and how to sell, whether a transfer-on-death deed makes sense in Colorado, what the home's equity can realistically do for long-term care costs, these are not abstract legal questions. They are practical decisions with real financial consequences, and they belong in the conversation well before any urgency forces your hand. The most expensive real estate mistake a Denver family makes is not a bad sale price. It is waiting until there is no time left to make a good decision. If you or a parent owns a home in Denver and you haven't looked at how it fits into a longer-term plan, I'm glad to think through it with you at whatever pace makes sense. Are you a Denver homeowner over 65 who has the house mostly figured out but hasn't actually talked through what happens to it if your health picture changes in the next two years? Kevin Lundy, The HomeBridge Group Brokered by eXp Realty