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[quote=Anonymous][quote=Anonymous]Op here. Thank you, all.

We don’t want her to lose her home so we will continue to pay (from dwindling savings) until we can figure out a plan.

Would a reverse mortgage be an option?

Is it possible to recoup the money we contributed if the house doesn’t pass to DH?

We’re meeting with an FL elder law attorney next week to hopefully get help.
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social security can't be garnished for credit card debt. the credit card people can pound sand. stop paying the credit cards. she can continue to pay mortgage from social security.

you will not be able to recoup the money as is. Ideally she would sell you a % of the house based on whatever you have already contributed. As a joint tenant with right of survivorship, then the house would pass to your DH automatically. However, the bank would likely have to sign off on this. A reverse mortgage means the bank will get the house on her death, and again, your contributions will be not be made whole. 
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