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My mom owns her condo and has equity in it, but she lives on social security so her income is too low to get it refinanced with some cash out to help with bills.

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go to this site. hopefully aging care will not delet it because it is a government site
http://answers.usa.gov/system/selfservice.controller?CONFIGURATION=1000&PARTITION_ID=1&CMD=VIEW_ARTICLE&USERTYPE=1&LANGUAGE=en&COUNTRY=US&ARTICLE_ID=11567

or
/www.usa.gov/topics/money/credit/debt/out-of-control.shtml
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