Mom and I went for a loan on our home which we own jointly, adult protective services involved and why?

Let APS interview you and Mom. They'll quickly close the case. I don't know how there could be a scam ... APS has nothing to gain no matter what happens or doesn't happen with a bank loan.

Do you have any other family members who may be upset that you and your brother are living with your mother? Do you both work or is moms income supporting all 3 of you? These are questions that you may need to answer. These people at aps are very good at what they do. You really sound baffled about all of this. So just tell the truth and I'm sure it will be fine. That's the only reason I can think that the bank would dare call is over the jobs issue? Good luck to you!!!

Well it just sounds like your mom has considerable assets so they are just checking to make sure everything is ok... good luck...

Are you sure it is the bank that called APS and that this is about money?

Maybe someone misinterpretted her "I don't want this loan!" as an indication that someone else (you?) were trying to force her into it ... ???

Whatever the case, now that APS has a report they have to investigate. It should be No Big Deal. Stay calm. Tell the the truth. No Problem.

As POA, I was told that I can sign several ways for any of my moms business (including checks-just have to allow bank to retain cc of POA 1st). Can sign "her name" by "my name", POA. OR: sign "my name", POA for "her name". I have a small joint account for my mom-at credit union- they said would not be reported as my income, only as hers. She had very small inerest earnings from that accountant SHE, not me, rec'd a 1099 form showing that small amount of interest income. I do know if SSA is involved, you don't want your name anywhere near anyone elses money. Continue w the good record keeping and inceased value of moms accts. And if me? I'd change banks, hate to be treated badly! Good luck.

My mother is of sound body and mind, and physically very healthy. She runs circles around most people if this helps

thank you all, I was unaware of the aps agency and it is helpful to know that there is someone there, who monitors these things

It sounds as though her partner of 30 years is the person worried about her being taken advantage of by her children and I suspect that's who called.

I applied for a small home equity loan a number of years ago (25K) to consolidate some debt. The advertised interest loan was affordable. The banker came back with a Line of Credit for 40K.
When I hesitated, he explained that the Line of Credit was based on the value of the house, and had to be that large to receive the lower interest rate. He also explained the difference between a loan and a line of credit:

A loan would pay for something immediately and then be paid back in time.
A home equity loan is line of credit available when you need to use it, for a certain number of years.

In my case, I had a 25 year Home Equity Loan, which allowed me to use and pay back for 15 years, with the last 10 years set up for pay back only. It has been very useful for home repairs and other things. If the larger amount scares you, then set a limit for yourself on how much you will allow yourself to borrow at any one time. You may have a roof to replace, so you borrow and pay that off, and when another need arises, the funds are available at the same low rate to use again and again.
These loans do take discipline, but are useful.
Research the subject at your library so that you have some background into the subject, then go to a trusted banker and ask lots of questions. Perhaps you should check with the first bank to see what they offer.
Good luck and thanks for being such a loving daughter.

As someone else stated, banks do call APS and APS does speak to parties individually. My grandmother, who is 89 this month, is struggling with making her signature on her checks legible. As her POA, I accompanied her to the bank. I told the bank that I cannot be added to the checking account for the simple fact that her checking account would count as my income also which would result in Medi-Cal dropping my sons health insurance. I was trying to find solutions for my grandmother, while balancing my responsibility to my son, and inquired about being able to sign her name for her, an ink stamp with her signature etc. The bank lady stood up, said loudly "I cannot do business with you" and left grandma and I sitting there. It was all rather surreal. Several days later APS shows up. Yes, banks can and do call APS. There was zero evidence that financial elderly abuse was occurring, because it wasn't. Under my POA I had almost doubled my grandmothers checking account balance. My brother kindly stepped into the gap and he, grandma and I all went down to the bank again. Same lady. Mind you, I've been totally exonerated by APS, who were not pleased their time was being wasted. Bank lady glared at me and treated me with the maximum amount of contempt she could muster without being called out on her behavior. While she had a problem with me insisting I could NOT be on grandma's account, she had no problem with my brother insisting that he HAD to be on the account. Makes no sense whatsoever. Meanwhile, grandma had contacted the bank on three separate occasions during the week and told them her handwriting was poor and the bank insisted that whatever signature she could scribble out would be fine. Then the bounced checks for "irregular signature" began to arrive. My brother is still trying to get the bounced check penalties repaid by the bank, one of them was for $140. The bank did not act honorably with my grandmother by telling her they would take her scribbley signature and then bouncing her checks. She spoke with them on 4 separate occasions in the space of a week. APS should have investigated the bank for financial elderly abuse with their hundreds of dollars of bounced check fees. My advice? Document, protect yourself legally and bring a witness when conducting financial bank business. As an aside, all hospice workers that provide in home care services are required by law to report any irregularities to APS. This includes the nurses, the bathing aides, the hospice case worker, the Chaplains, the pre-bereavement counselors and the volunteer workers who provide respite for the caregivers.