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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.
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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.
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I have POA. I will be getting a mortgage. I have application almost done, should I wait to see lawyer to look at application for mortgage or go for it?
Yes. Definitely do this with an attorney as there ARE ways in which it can go wrong. This money must be designated to MOM'S accounts and go to HER CARE. With you as POA it can easily look like self enrichment and thereby be illegal. That you say you are buying at fair market value DOES let us know you have best interests and legality foremost in your mind, and that's as it must be.
Take all questions to an attorney, not a forum of strangers. And best of luck.
You can also run your question in bogleheads.org, which is a crowd-source public forum for financial opinions, like this one is for caregiving. Just remember there is no accountability if you get incorrect or bad advice. Just like here.
Get the house appraised by a licensed and registered residential property appraiser. They will put their signature and seal on the document. This is a way to get a solid FMV. And this is the price you pay & it is payment in full to mom and deposited into her own bank account. The bank uses the appraisal for determining how they will do the lending to you. The bank may have an appraiser they use.
Also The bank may want to carefully review her PoA to make sure it conveys full financial powers. Hopefully it does.
If LTC Medicaid is in her future, then Mom cannot sell it to you for less than this amount nor should she finance the sale to you. You get a mortgage and the mortgage company pays her.
If you are her POA, you do this so that there can be no appearance that you are self-dealing. You have to have the sale be a fully “arms length sale” for no future issues with moms filing for LTC Medicaid. Personally I think there will be a deep review of all this by Medicaid even if it ends up being 2,3 or 4 years from now when mom has fully spent down all her house sale $. It’s just that folks try all sorts of shenanigans. So keep notes on what you are doing and all paperwork.
fwiw the comps that Realtors do, imho, do not work for this. It needs to be a registered and licensed residential property appraiser. And mom - as the property owner- pays for the appraisal. Not you.
Personally I would use a Real Estate attorney to do the sale. The atty acts as mom’s agent for the sale. If you’re in a State that requires a R E atty to review documents even better.
If the real estate market is hot in the area, would you consider putting the house on the market? The house might sell for more than FMV, and that would benefit your mom more.
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.
Take all questions to an attorney, not a forum of strangers. And best of luck.
Also The bank may want to carefully review her PoA to make sure it conveys full financial powers. Hopefully it does.
If LTC Medicaid is in her future, then Mom cannot sell it to you for less than this amount nor should she finance the sale to you. You get a mortgage and the mortgage company pays her.
If you are her POA, you do this so that there can be no appearance that you are self-dealing. You have to have the sale be a fully “arms length sale” for no future issues with moms filing for LTC Medicaid. Personally I think there will be a deep review of all this by Medicaid even if it ends up being 2,3 or 4 years from now when mom has fully spent down all her house sale $. It’s just that folks try all sorts of shenanigans. So keep notes on what you are doing and all paperwork.
fwiw the comps that Realtors do, imho, do not work for this. It needs to be a registered and licensed residential property appraiser. And mom - as the property owner- pays for the appraisal. Not you.
Personally I would use a Real Estate attorney to do the sale. The atty acts as mom’s agent for the sale. If you’re in a State that requires a R E atty to review documents even better.