Tricia is a 68-year-old widow. She and her husband bought a home in 2002. In 2008, Tricia agreed to have her name removed from the deed to the home so her husband could qualify and obtain a reverse mortgage. The mortgage company assured her that she could easily be added back to the deed and to the reverse mortgage when she turned 62. However, when she contacted the mortgage company after turning 62, she was told that it was not a good time due to the financial and legal issues occurring at the mortgage company.
Tricia’s husband passed away in May 2018 and the mortgage company filed an action for foreclosure based on the death of the only borrower of record. The mortgage company offered a Mortgagee Optional Election (MOE) program that would allow Tricia to remain in the home as the surviving spouse of a reverse mortgage borrower. In order for her to qualify for the program, Tricia needed a court order proving her ownership interest in the property. Through the “No Place Like Home” Project at Legal Aid and Broward Lawyers Care, pro bono attorney David Glantz filed a probate case for the husband’s estate to help Tricia save the home. The probate court awarded Tricia ownership of the home, qualifying her for the MOE program. Meanwhile, CCLA is representing Tricia in the foreclosure action and can now settle the case favorably so that Tricia can remain in her home.
*Names have been changed to protect the privacy of our clients.