I need your input on decision for house repairs.
I am in need of some input here. We need the roof fixed or repaired in order to keep our house insurance. Mom gets Aid and Attendance and other income and I get paid from her income to care for her. (Which over half or 3/4 of that goes for her bills and upkeep of the house and car). If I was not here, she would be in a nursing home and she prefers to live in her own home. I am trying to decide if I should go ahead and get the roof estimates. I don't know how we are going to pay for this. I am afraid I will be stuck with the payments after she passes on. Not a happy prospect. I know I can sell the home and then use the money to pay off all her bills, as it should be. But, what if the house does not sell right away. Will I have to make the payments if the loan is in her name and she passes and the house is not even sold yet? Also, I do not want to get her a reverse mortgage because I don't trust the government these days. ???? Suggestions are appreciated. Taking care of Mom is easy, the other decisions, not so much!