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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link="#0563C1" vlink="#954F72" style='word-wrap:break-word'><div class=WordSection1><p class=MsoNormal>I have a Medicaid matter involving the potential transfer of mom’s home to her daughter – either based on the 2 year adult child in-home caregiver rule or based on the transfer to a disabled child rule. Over the years, I have had occasion to do this only a few times, and in those cases the transferred residence was paid for in full. In this pending situation, there is a mortgage.<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>I believe transferring the home to the adult in home care giver daughter or adult disabled daughter will be acceptable to DSHS for Medicaid purposes. I also believe that the mortgage company will not be able to require the daughter to qualify for refinancing pursuant to Garn – St. Germain, but I am throwing this out to the hive for feedback. Am I correct in my belief that the daughter can simply assume the mortgage?<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Thank you in advance for your wisdom.<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal>Jim Dolan<o:p></o:p></p><p class=MsoNormal><o:p> </o:p></p><p class=MsoNormal><span style='font-size:12.0pt'>=========================<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>Jones Butler Dolan, PS<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>P.O. Box 458<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>10027 SR 532<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>Stanwood, WA 98292<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>(tel) 360-336-2939<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:12.0pt'>(fax) 360-336-2949<o:p></o:p></span></p><p class=MsoNormal><o:p> </o:p></p></div></body></html>