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Grandma1954 July 28, 2023 3:43 PM. You need to talk to an Eldercare Attorney. The fact that your name is not on the property may be more of a problem than just the VA loan. Example... I was not on the deed to the property/house my Husband owned. I was not able to sell the house and put the money from the sale of that house towards the house that I purchased when the other house was not safe for him. I had to "charge him" for his portion of the mortgage, half the food bill, half the gas, electric and any other household expense. Once the old house sold all the money went into his account and I could deduct monthly (keeping all receipts in case the court wanted to review them)
More questions but no answers for you. Is it only the loan in his name or the title to the house also? Do you have POA to pay the bills? Is there a will so that you know what happens to the house when he dies? These are more important than who is on the loan. I don't know how to get the loan moved to your name but that may not be your best strategy because then you could be responsible for paying a mortgage on a home that is not yours! The title determines ownership, not the loan. You should speak to an elder attorney to get some paperwork issues cleared up.
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.
Of course, I trusted my DH, but had something happened to him,IDK what would have become of the loan.
Attorney time! Probably a half hour with one could make things clear.
You need to talk to an Eldercare Attorney.
The fact that your name is not on the property may be more of a problem than just the VA loan.
Example...
I was not on the deed to the property/house my Husband owned. I was not able to sell the house and put the money from the sale of that house towards the house that I purchased when the other house was not safe for him. I had to "charge him" for his portion of the mortgage, half the food bill, half the gas, electric and any other household expense. Once the old house sold all the money went into his account and I could deduct monthly (keeping all receipts in case the court wanted to review them)