Our Mother has dementia and she requires 24 hour care which is running about $10-12,000 dollars a month. My Brother is Court appointed Guardian/Conservator and is required to submit his forms annually. We petitioned the court to apply for a Reverse Mortgage and it was granted. However the Underwriters are saying they need someone on the loan who will undeniably be there for 3 years and that because my brother has to apply every year - that is unacceptable. We are at our wit's end! We spent way too much on that and didn't help. Does anyone have any suggestions? My Mom is in Colorado!