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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.
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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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Actually own it? Or there’s a mortgage? I’m guessing a mortgage and she needs to be off as she’s overextended to borrow for her own home. That’s it isn’t it? Thats what Fawnby was getting at also.
Couple of issues here…. And quite frankly I think the two of you should find a real estate attorney to discuss the pitfalls in this plan and the do whatever documents needed should the two of you go through with this idea. So that being said: 1. What is the status regarding any “securitization” on the home? - Is it 100% owed outright and has all the paperwork been recorded at the courthouse to reflect that? So title reads each of your names? Especially has a “Release of Deed of Trust” been sent to you or her from old mortgage holder and that document recorded at the courthouse? If this is it, then you can get the real estate attorney to draw up the paperwork to transfer the property and have it recorded with fresh title to reflect just your ownership.
Personally I would NOT do a Quit Claim Deed type of document but do it as a Warranty Deed. Warranty Deed guarantees ownership with clear title while QCD do not. QCD convey what the individual considers to be their property. Sometimes when you go to sell a QCD property, mortgage companies will be hesitant to do lending on a property that is a QCD and will want an extra item done to ensure that the title is clear and that extra step is a Quiet Title action. That morphs into somewhere between 2-4 or 6 months to get the Quiet done and that extra time tends to kill the deal. Plus it has costs. OR - Is there still a mortgage? If there is still a mortgage, you need to find your paperwork because most of the time in order to get 1 of the 2 borrowers off of a mortgage - unless a divorce action - that mortgage is going to need to be “called in” and a fresh mortgage done for the balance. You cannot just go on you own to the courthouse and take her off the mortgage. There could be an issue on doing this, if you on your own cannot qualify for the fresh mortgage; or that the rate of the old mortgage is really sweet and the new one will not be quite a good; or that your up in age so cannot be put on a standard 30 yr mortgage but instead only a 10 yr conventional so payments lots higher.
Really if there still is a mortgage, find that mortgage agreement to see just what is required to change / remove a borrower and if it is at all feasible.
2. so your daughter is going to “gift” her % ownership of the house to you? Totally gift it to you for free. Or are you going to “buy” her 50%? How were you determining that? If you possibly could be needing long term care Medicaid before 2029, paying her too much $ for that house could be an issue for your LTC Medicaid eligibility. I’d let the attorney figure out fair market value to pay her and do the paperwork so no Medicaid worries for the future,
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.
Couple of issues here…. And quite frankly I think the two of you should find a real estate attorney to discuss the pitfalls in this plan and the do whatever documents needed should the two of you go through with this idea. So that being said:
1. What is the status regarding any “securitization” on the home?
- Is it 100% owed outright and has all the paperwork been recorded at the courthouse to reflect that? So title reads each of your names? Especially has a “Release of Deed of Trust” been sent to you or her from old mortgage holder and that document recorded at the courthouse? If this is it, then you can get the real estate attorney to draw up the paperwork to transfer the property and have it recorded with fresh title to reflect just your ownership.
Personally I would NOT do a Quit Claim Deed type of document but do it as a Warranty Deed. Warranty Deed guarantees ownership with clear title while QCD do not. QCD convey what the individual considers to be their property. Sometimes when you go to sell a QCD property, mortgage companies will be hesitant to do lending on a property that is a QCD and will want an extra item done to ensure that the title is clear and that extra step is a Quiet Title action. That morphs into somewhere between 2-4 or 6 months to get the Quiet done and that extra time tends to kill the deal. Plus it has costs.
OR
- Is there still a mortgage? If there is still a mortgage, you need to find your paperwork because most of the time in order to get 1 of the 2 borrowers off of a mortgage - unless a divorce action - that mortgage is going to need to be “called in” and a fresh mortgage done for the balance. You cannot just go on you own to the courthouse and take her off the mortgage. There could be an issue on doing this, if you on your own cannot qualify for the fresh mortgage; or that the rate of the old mortgage is really sweet and the new one will not be quite a good; or that your up in age so cannot be put on a standard 30 yr mortgage but instead only a 10 yr conventional so payments lots higher.
Really if there still is a mortgage, find that mortgage agreement to see just what is required to change / remove a borrower and if it is at all feasible.
2. so your daughter is going to “gift” her % ownership of the house to you? Totally gift it to you for free.
Or
are you going to “buy” her 50%? How were you determining that?
If you possibly could be needing long term care Medicaid before 2029, paying her too much $ for that house could be an issue for your LTC Medicaid eligibility. I’d let the attorney figure out fair market value to pay her and do the paperwork so no Medicaid worries for the future,