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Are you considering a reverse mortgage? Better look before you leap. While a reverse mortgage could put money in your hands, the transaction is likely to be quite confusing. A reverse mortgage deal could also put a lot of your money in someone else’s pocket. Still, if you are a senior and a home owner and short of cash to make ends meet, a reverse mortgage can be a lifesaver. That’s because a reverse mortgage taps your home equity – that’s the market value of your house minus the outstanding balance on any existing mortgages – for cash.
A summary on a housing provider’s obligation to make reasonable accommodations and modifications which may be necessary to afford a person with a disability the equal opportunity to use and enjoy a dwelling.
What is a Reasonable Accommodation?
Introduction
The Federal Fair Housing Act (“Act”) (42 U.S.C. §§ 3601-19) prohibits discrimination inhousing on the basis of race, color, religion, sex, national origin, familial status, and disability (as well as sexual orientation/gender identity if the housing provider or program receives federal funding. A housing provider’s refusal to make a reasonable accommodation that is necessary to afford a person with a disability the equal opportunity to use and enjoy a dwelling constitutes disability discrimination and is a violation of the Act.
This brochure provides information on different ways to manage decision-making as we age.
This brochure was created by the Idaho Court Assistance Office and provides information on common questions and answers related to guardianships and conservatorships, and is designed to help you understand what a legal guardianship or conservatorship is, how it is obtained, and describes the responsibilities of a guardian and/or conservator.
This guide by the Self-Advocacy Speaker's Network details how supported decision making may be an alternative to a guardianship for a disabled adult.
Under the Fair Housing Act, housing providers are required to allow changes to the structure of their rental, when such a change is reasonable and is necessary to allow a person with a disability the full use and enjoyment of the premises. Examples of reasonable modifications include ramps, grab bars, push door handles, or lowering the entry threshold of a unit. Reasonable modification costs are typically paid by the tenant, but public housing agencies and federally-assisted housing providers are required to pay for reasonable modifications.
The Consumer Finance Protection Bureau has created a Guide to Managing Another Person's Finances that may be useful to those who have a Financial Power of Attorney for another or act as a guardian or conservator for another person: https://www.consumerfinance.gov/consumer-tools/managing-someone-elses-money/.
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