My mother is in a nursing home (Texas) paid by Medicaid program. Is it too late too save her home?

Question

My husband and I took out a loan 30 yrs ago and built an addtion on to her home (attached to her garage since it is a corner lot) for us to live. The loan folks first told us we couldn't take a loan on someone else's property, but since I am an only child and only heir they let us as long as she also signed the note. In the 30 yrs we paid the loan off and now live somewhere else. The garage between the property had termites and was torn down. Now it is 2 seperate houses - 1 faces 1 street and the other faces the side street. It is not specific on the tax rolls. We rented one house to a family member-mom's neice. My son lived in the other until he graduated, but his roomate stayed there. I have paid the taxes and insurance since the mid 70s since mother has only Social Security and a Veteran's pension. Since she is on Medicaid, will they take both houses or is there something that can still be done to save them? I still have all the paperwork for the loans.

Answer 1

call a lawyer experienced in realestate law. They will be
more than likely to help you, but dont wait too long to ask an attorney and get one that also specializes in elder law.good luck. bettyk

Answer 2

If your mother owns it, and you are paying the taxes, who would "take the houses"?

If this is a question of inheiritance, if you are the only child, you will get the place, especially if you can prove you were the one paying the taxes and insurance. This would look very good in a court.

I would do a title search at your local county courthouse on the property and see who holds the title, it should be your mom. If that is the case, then you would likely win in a court battle.

BUT

This sounds like a legal question, and something you should be asking a lawyer. I am simply a well-meaning accountant familiar with business law, but not a lawyer with expertise in this type of law.

I hope this helps a little.

Answer 3

Im in Texas too, get it surveyed as 2 properties, call a Title company and get them split into 2 properties, then refinance the one you want to keep (if it isnt paid off).

You can do this before they can foreclose if you act fast.

Answer 4

No good deed goes unpunished. I hope the government uses some common since since you where just doing the right thing.
best of luck