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I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
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V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
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As co-mortgagor (or borrower), you are obligated to continue payments under the mortgage, as you probably already know. There are a few issues related to that, though.
As to what you should do first, read the terms of the mortgage, look for a clause on "death of a mortgagor" and find out if you need to notify the lender of your grandmother's death. You probably do, and might have to send a certified copy of her Death Certificate.
I'm wondering if you co-signed on her mortgage so that she could in fact get one. In my experience, good lenders are cautious about mortgages with older people b/c of the age factor as well as sometimes more limited assets since they're not earning money any more.
You may want to visit the local branch of the bank holding the mortgage and discuss this with them. A major issue is whether you're living in the house and want to stay there. If you and your GM were both contributing to mortgage payments, and they're now too much for you, I would make a visit to the bank a high priority to give them a heads-up on this issue. You might want to consider renegotiating the mortgage, and if it's a 15 year mortgage, extend it to 30. That would help you make the lower payments b/c of the longer amortization period.
As to your father, is he named on the Deed? If so, how is it titled? E.g., "grandmother, son and granddaughter (with your specific names), jointly, as joint tenants with rights of survivorship?" (I think that's the wording; it's been awhile since I've worked with specific titling.)
In other words, does your father have any legal interest in the house? If not, he can't "take the house out of your name" - he has no authority to make any changes to ownership of the house.
However, if as son he inherited some portion of the house, you have an entirely different story. Have you seen your GM's Will? Was the house willed to you and him, to you alone, or to him alone? This is a critical issue.
If your GM died intestate (i.e., without a Will), then you have another entirely different story. Who inherits depends on the intestacy laws of the state in which she was a legal resident.
Perhaps you could check the deed and report back on the specific wording. That'll help posters narrow down your father's standing and give more succinct answers.
I'm wondering also how much influence your father's desires have on you, as you're clearly concerned about his intents. Are you confused at this point as to what to do legally or morally? Are you concerned your father will intimidate or pester you if you don't comply with his wishes and give up your titled rights? Be aware that if you do convey your rights to him, you're STILL responsible as a co-mortgagor for payments on the mortgage.
So, please, give us more detail so we can help you. Also, it helps if you fill out your profile page so we can get more background on your family situation.
Did your grandmother have any life insurance? Sometimes mortgage providers insist that borrowers have a policy as a condition of the loan. So check. If she did, the insurance payout should go towards covering her share of the debt.
I'm not sure what you mean when you say your father wants to take over ownership of the house. Did your grandmother bequeath the house to him? Did she die without having made a will, so that your father is the heir by default?
And are you able to cover the ongoing mortgage payments?
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
As to what you should do first, read the terms of the mortgage, look for a clause on "death of a mortgagor" and find out if you need to notify the lender of your grandmother's death. You probably do, and might have to send a certified copy of her Death Certificate.
I'm wondering if you co-signed on her mortgage so that she could in fact get one. In my experience, good lenders are cautious about mortgages with older people b/c of the age factor as well as sometimes more limited assets since they're not earning money any more.
You may want to visit the local branch of the bank holding the mortgage and discuss this with them. A major issue is whether you're living in the house and want to stay there. If you and your GM were both contributing to mortgage payments, and they're now too much for you, I would make a visit to the bank a high priority to give them a heads-up on this issue. You might want to consider renegotiating the mortgage, and if it's a 15 year mortgage, extend it to 30. That would help you make the lower payments b/c of the longer amortization period.
As to your father, is he named on the Deed? If so, how is it titled? E.g., "grandmother, son and granddaughter (with your specific names), jointly, as joint tenants with rights of survivorship?" (I think that's the wording; it's been awhile since I've worked with specific titling.)
In other words, does your father have any legal interest in the house? If not, he can't "take the house out of your name" - he has no authority to make any changes to ownership of the house.
However, if as son he inherited some portion of the house, you have an entirely different story. Have you seen your GM's Will? Was the house willed to you and him, to you alone, or to him alone? This is a critical issue.
If your GM died intestate (i.e., without a Will), then you have another entirely different story. Who inherits depends on the intestacy laws of the state in which she was a legal resident.
Perhaps you could check the deed and report back on the specific wording. That'll help posters narrow down your father's standing and give more succinct answers.
I'm wondering also how much influence your father's desires have on you, as you're clearly concerned about his intents. Are you confused at this point as to what to do legally or morally? Are you concerned your father will intimidate or pester you if you don't comply with his wishes and give up your titled rights? Be aware that if you do convey your rights to him, you're STILL responsible as a co-mortgagor for payments on the mortgage.
So, please, give us more detail so we can help you. Also, it helps if you fill out your profile page so we can get more background on your family situation.
I'm not sure what you mean when you say your father wants to take over ownership of the house. Did your grandmother bequeath the house to him? Did she die without having made a will, so that your father is the heir by default?
And are you able to cover the ongoing mortgage payments?
I would try talking to a real estate lawyer. Please don't hesitate to talk to more than one lawyer and ensure you have all your options.