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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]There are a lot of aspects to this, but one thing needs clarification and I have one suggestion for OP to reflect on.

[b]1. Who owns this house?  [/b]Both legally and in understanding/practice?  At the time of whatever happened to the deed, did everybody understand that it was to protect an asset upon death and that it was still mom's home to live in until her death?

2. OP, think hard about whether you are trying to make decisions in your mother's best interest or your own.  If you are thinking about your mother's best interest it seems that the answer is to do what is necessary for her to stay in her home OR sell the home so that you have the means to provide the quality and type of facility that she deserves.

[/quote]

She already explained that she and the sister own the house.[/quote]but she also said her mother still has a mortgage on it.  It doesn’t make sense. [/quote]

OP here. Mortgage is in her name.

However from an estate planning perspective the life estate (which was set up 6-7 years after the mortgage) passes the property on to my sister and I if anything happens to Mom.  As long as the payments continue (and they have) the bank really doesn’t  care about this structure (nor frankly do they even know about it) - we asked the same question at the time.  That’s the legal advice we were given, and assume still applies.

If push comes to shove we can liquidate some investments in the span of a few days (which DH is not happy about - at all) and pay the mortgage off in full, and have a clean slate going into this.   [/quote]

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