Yes, you can leave your home to whomever you choose. If you leave it to your spouse, your child or someone who was living in the house for at least the year before you pass, they can own and occupy your house without being income eligible. If you still have a mortgage when you pass, your heir will have to refinance that debt, just like any house. If you leave your home to someone else, they either have to be income eligible to take ownership, or if they are not eligible or choose not to live in the house, MCLT will facilitate the sale of your house to an eligible buyer and your heir gets the money from the sale.