We have tried to get a home equity line of credit for my mother and father but their income is just the $40 a month each stipend for spending money. They are only ones on the deed. Mortgage is paid for, no current liens. Can they get a personal loan or a home equity loan or a line of credit with co-signers? We are trying to keep the property up but necessary repairs have gone undone for a long time and the equity value is decreasing as the property falls into disrepair, and if this continues, when Medicaid forces the sale of the house, they will likely recover substantially less than if it is maintained or even improved while other family members reside there.