Can I use the equity in Mom's house for her care?

letsgobucks, a bit of advice, do not use more than 50% of the equity in the house.... you will need to repay that equity loan, interest, and fees when that loan comes due.

Then there is the cost of maintenance/repairs on the house, property taxes, utilities, etc. Do you plan to live in the home or rent it out?

Why not sell the house and put the money into a CD and draw off of that?

And as JessieBelle had stated above, if you Mom needs to go on Medicaid, I think they go back 5 years, and if they see your Mom had titled her house over to you, she might not be able to apply for Medicaid.

Have you considered a reverse mortgage? You could pay off the equity loan when your mother passes if the house is left to you in the will. I've heard reverse mortgages need to be studied well. I thought this could be an option, since a transfer of the property to you may have huge implications if your mother needs to apply for Medicaid.

I just want to know how long after the transfer can I apply for a home equity loan?

Ido not plan to sell the house, jus use the equity for her care in a facility.

Need more information. Do you plan to sell the house to get the equity so your Mom can live elsewhere, or do you plan to use the equity to apply for a Reverse mortgage so you can care for her at her own home?