My wife, her grandmother and I moved in together about 13 years ago and bought the home. All three names are on the deed. She gave durable POA to her son. She now lives in an assisted living facility. We are refinancing our home for updates and repairs, but lender is not accepting durable POA for loan. Choices are higher rate or taking her off of the deed. What are the ramifications for her if she is taken off of the deed? She has about 3 years left of self pay care before applying to Medicaid.