Dad is home bound and bank has to have his ID. Ind BMV says he has to go in person, help!!!

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We had this issue with my father with his federal credit union. They did not honor my brother's power of attorney to separate my parents' joint account to apply for Medicaid and to be able to look into their safety deposit box for wills, etc. We were able to get my dad to the nursing home facility where my mother lives and the bank manager drove there  and got their signatures. I don't know what they do if the person is physically or mentally unable to sign.
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I am confused here. If he is homebound, what kind of income does he have to qualify for a loan?
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The issue is the banks mortgage division has to ensure or do their “due diligence” to make sure the person applying for a VA loan is who they say they are. If there are no existing accounts at this bank (like bank gets dads direct deposit SS or VA pension) so that there’s established & verifiable history, the bank will need to establish who dad is to make sure no fraud happening.

Also VA loan is a ensured loan, so VA could have specific requirements & documents needed for the loan to be processed, like verify that the person is who they say they are. Bank officer could come to wherever dad lives to have him sign off on documents. As his dpoa you can schedule for this to happen with a bank officer. Some banking groups (like BoA) can be skittish on POAs but if you have a solid, legit notarized & done by an attorney in your state with witnesses type of DPOA for your dad, you should be fine to get all the paperwork for mortgage and schedule bank officer to visit dad. Before you leave the banks mortgage section, pls review the paperwork and if you don’t understand what is requested ask.

If a notary is needed, they too make house calls. The cost for the notary to make house call though is on you or dad. Plus the regular seal cost.

If dad is going to be pretty well permanently bed-bound establishing a relationship with a bank is going to be really REALLY important over time. Like if dad should ever need to deal with a cash transaction 10k or more there is specific reporting - IRS form 8300 - that must be done. There’s a requirement for the bank to “know your customer” for transactions that could need the 8300. You don’t want dad to get into a bind & cant access funds cause the bank suspects something odd.
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I asked today if this will stop Dad from getting a house loan. So I guess we will see coz I have no idea how to get him an ID.
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I think it's rediculous to demand an ID from a homebound person. He still pays taxes and everything else he just can't go anywhere now
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Yes I am his daughter and also legal poa I'm trying to get a va loan for a better home for dad the loan company bank is whos demanding it
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One way around this is to set up online banking, nobody will scrutinize these transactions nearly as rigorously as those we make attempt face to face at a bank.
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What’s BMW? Are you or another relative on his accounts? Who has Power of Attorney? It’s my understanding that if you have POA for someone, the bank can make copies of the POA forms and you will be allowed to access the account.
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