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Who are you caring for?
Which best describes their mobility?
How well are they maintaining their hygiene?
How are they managing their medications?
Does their living environment pose any safety concerns?
Fall risks, spoiled food, or other threats to wellbeing
Are they experiencing any memory loss?
Which best describes your loved one's social life?
Acknowledgment of Disclosures and Authorization
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.
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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.
Remember, this assessment is not a substitute for professional advice.
Share a few details and we will match you to trusted home care in your area:
A lot of them are is why you do have to do your homework. Also, your present mortgage company will be the best since you already have a history with them. Mine didn't do refinances so they are the one that gave me a suggestion of who to talk to.
Sandra, I used to notarize for one of these loan agencies. Believe me they are predators, You get 46 pages and only a few hours to read them before they are notarized. Miss one payment and they call in the whole loan. Avoid them.
With advice from a friend in the business, I called an appraiser first. Paid $325. But it was worth it. Was right in line with my tax accesment so I knew my numbers up front.
A few years ago I refinanced my home to take out some cash for up grades. Quicken Loans did everything online and phone. Within 30 days everything was done and the Attorney came to my home with an employee/notary. Easiest deal I ever made. I had to set appt for apprisal and pay for that up front, but that was all. My only income is social security. It was 43 pages and the agent said he would go over each line until I understood. Check them out.
Second the advice not to rely on web sites for market values; the house next door to me has been abandoned for 4 years with no heating or cooling, no cleanup after the flood we had last year, but it's valued more than my occupied dwelling.
Unfortunately you will have to shop around for rates, but be aware that some banks are reluctant to grant mortgages to seniors without significant assets to pay off the mortgage if it's defaulted.
I haven't tried this, but the AARP website may have some helpful information.
Mortgage brokers/bankers are all competitive with their rates. You will need to shop around.
As for on-line financial companies, most are good.... but I think you would be more comfortable using a local lender in your area that you can talk to face to face.... someone where you can drive to their office with the paperwork or if you have a question, or they could come to your house.
One thing to watch out for, when it comes to refinancing some companies over value your home, thus allowing you to take out more equity. Be careful about that. The real estate market could change leaving you with a mortgage worth more than your house.
To get a value of your house before the lender calls in an appraiser, call a local realtor who doesn't mind giving you a market value on your house knowing up front you only want the information to get an idea when it comes to refinancing. In fact, that Realtor could recommend a lender or two for you to work with. Back when I was a Residential Realtor I didn't mind doing that because later down the road the homeowner would call me to sell his/her house :)
Be careful of on-line home estimate websites that are popular today. The information isn't very accurate.
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.
an appraiser first. Paid $325. But it was worth it.
Was right in line with my tax accesment so I knew
my numbers up front.
for up grades. Quicken Loans did everything online and phone.
Within 30 days everything was done and the Attorney came to
my home with an employee/notary. Easiest deal I ever made. I
had to set appt for apprisal and pay for that up front, but that was
all. My only income is social security. It was 43 pages and the agent
said he would go over each line until I understood. Check them out.
Unfortunately you will have to shop around for rates, but be aware that some banks are reluctant to grant mortgages to seniors without significant assets to pay off the mortgage if it's defaulted.
I haven't tried this, but the AARP website may have some helpful information.
As for on-line financial companies, most are good.... but I think you would be more comfortable using a local lender in your area that you can talk to face to face.... someone where you can drive to their office with the paperwork or if you have a question, or they could come to your house.
One thing to watch out for, when it comes to refinancing some companies over value your home, thus allowing you to take out more equity. Be careful about that. The real estate market could change leaving you with a mortgage worth more than your house.
To get a value of your house before the lender calls in an appraiser, call a local realtor who doesn't mind giving you a market value on your house knowing up front you only want the information to get an idea when it comes to refinancing. In fact, that Realtor could recommend a lender or two for you to work with. Back when I was a Residential Realtor I didn't mind doing that because later down the road the homeowner would call me to sell his/her house :)
Be careful of on-line home estimate websites that are popular today. The information isn't very accurate.