TL,
I suggest that you contact me privately if you wish to discuss your situation, rather than airing more of your laundry here. I can make some suggestions for part of it. One PROFESSIONAL person cannot cover it all, (but there are contributors on this website who will offer advice on all of it, with conviction)
I’ve helped MANY people from this site with loans, info OR where to get it even when I didn’t get their loan.
I’m sure somebody has something to complain about, I’m not perfect. 😉
I don’t have all the answers like some people seem to have.
Getting advice on any website about what someone would do based on their limited experience is simply dangerous.
Loan guidelines are INSANE. Sometimes there are exceptions.
Adding someone to title can create a HUGE re-assessment for property taxes.
Property does NOT always have to be taken out of a trust to refinance.
I don’t recommend that anyone other than a professional prepares & records their own deeds.
(It’s not something that I would do)
I don’t offer serious plumbing, electrical, engineering, IT, auto or mechanical advice, but I can explain many financial benefits upside down and sideways and am happy to do it if asked.
Many people are wasting thousands of dollars because they know better.
Your situation sounds a bit tricky but mom may be in better shape than you think to accomplish what
you want to do.
There may also be a loophole that would work perfectly for you, I need to investigate for you if you’d like.
