She and I only made a verbal agreement that she would pay house payments. I do have durable power of attorney but I'm so depressed from awful things she does and says to me. Can someone tell me if a trust protects my home? Or how her $$$ is just to make the house payment. I don't want anything else from her. I just feel she should keep her word.
Idk anything about this stuff w the house. Yes I have the deed and it's both names mine and my mom's. Just she has had me being her power of attorney make the house payments and I paid utilities every month. But she Is very cruel to me now and idk what to do. But to get her help. Cus I'm not qualified.......I feel selfish asking will the man who was the landlord and is now he kinda laughs and says the mortgage lender. He sent me the deed it does have both our names and she had paid him wrong every month ....til I been making payments monthly to him on the money more less he let her pay him less. I'm sorry for not responding n being so time consumed. I truly do apologize
From what I just read your renting to own. I don't think you actually own the home yet. The money you have been giving to the owner goes towards the downpayment. Or, is the owner holding the Mortgage? Do you have an actual deed?
If not, you don't own the house. If you don't own it, Medicaid cannot "take" it, which they don't do anyway.
You have said before that Mom owns it too or she thinks she does? If she is not on the deed, your house has nothing to with her getting Medicaid.
Lets say, Mom and you are on the DEED. (Mortgage whole different thing) If Mom goes on Medicaid, you will be able to remain in the home. Upon her death, a lean will be placed on the home but no recovery will be made. If you sell the house, her half will be used to offset her care. Otherwise, recovery will not be made until u pass.
So, if you can get Mom into a LTC facility on Medicaid you will not lose your home.
But, your posts are pretty confusing. So not sure if I have helped with my answers. You may need to talk to a lawyer.
Like I said, delete the other two profiles, keeping worthless. Do not start a new thread, continue with this one.
Another post! Your questions have been answered. We have asked questions and you either don't answer or when u do don't answer questions asked.
You have posted under "question myself" and "Ifeelsad". Because of this their are members that don't know you have posted before. If you want help, you have to stay with one post "thread".
Again, please delete two of your profile names and stick with one post one thread.
Do u mean both u and Mom are on the Mortgage and you alone are on the deed? For Medicaid the deed is important. If your name is on it alone, then Medicaid will not put a lean on it. If you and Mom are on the deed than her half will have a lean put on it.
Until you give us the correct info, we can't answer any more questions.
Mortgage and deed are two different things. Are u alone on the deed.
And please, if you are posting under more than one profile, have the two u haven't posted as much on deleted. And the one profile you choose to keep post on one continuous thread. Don't start new posts.
You have said ur 32 Mom is 72, correct. You r both on Social Security? Both live together? Mom showing signs of Dementia. How does your POA read...immediate or springing when Mom needs to be found incompetent? Why is the DHS involved and who got them involved.
These questions need to be answered for us to help.
When you respond, you never give direct answers to direct questions. You seem to skirt the issues.
I would suggest that you see a local attorney, and explain your issues in person, bringing any documents that you have.