My mother and I bought a double wide mobile home together 18 yrs ago. I had money for down payment and closing she didn't have any money. do she put the home in her name gorbthe loan.now didn't think long term.we just went on living year to year working living life.now mom has pancreatic and colon cancer.ice had to basically quit my job to take care of her.I lost my insurance now my bills are pulsing up.and I'm going to have to file bankruptcy..I need help from the state to get paid to take care of her.but my name is not on the house.will I loose my home if I get help from the state if she passes?
The reality of caregiving in the US is that it is done by family and for free. If the elder has assets, they can spend down those funds by doing a legal personal services contract in which they pay you for caregiving. If they are really low income, they can qualify for medicaid. What programs Medicaid has will totally depend on how your state administers its Medicaid funding. Some states have organized in home health programs in which family can be paid by the state for some caregiving for the elder who qualifies for Medicaid. California has this with its IHHSS program done county by county.
But for something more immediately to happen, I'd suggest you look to see if mom can qualify for hospice. With her cancers, she could qualify. Hospice - although it doesn't pay you - it does provide for some in-home health to help out. Just what depends on moms needs. Hospice is a mediCARE benefit. Medicare and not Medicaid. Moms MD will do orders for a hospice evaluation. Mom (you) can contact & find the hospice provider. For cancer patients, I'd suggest you get a larger national level hospice group (vitas, southern care, compassus are bigger hospice) as often the cancer drugs are high schedule / major narcotics drugs so require an RN to administer & evaluate dosage. Bigger hospice group will just have several RN 's on staff.
I assume your Mother was working at the time of the loan? Mortgage companies only put the name on the loan for the person who applied for the loan. And that name remains, there is no changing.
As for the State taking the home, if you can prove you have been taking care of your Mom for a certain length of time, there are some State that will allow you to continue to live in the home even after Mom goes into continuing care elsewhere. You need to call your State Medicaid office for details as each State has their own rules, regulations, and programs.
We went through hurricane Katrina and some folks who had homes vaporized went & bought & installed a mobile home to live in or use as a base while rebuilding. They did this as opposed to trying to deal with the FEMA formaldahyde trailers debacle. Once house rebuilt, they tried to sell the mobile home. Resale value was pretty nonexistent even on a fairly new one. I just don't see Medicaid MERP being an issue later on if it's just an old double wide.
Let's say your name is on the deed, then no, Medicaid will not put a lien on the home. If your Mother's name is on the deed alone, then yes, Medicaid can place a lien. If both of your names are on the deed, then Medicaid can place a lien on half the value of the home.
If you plan to place Mom into the State Medicaid program, the State will check back 5 years on your Mom's financials.
As for the loan, your Mom wouldn't be able to qualify for the loan since she has very little in the way of funds.