<prompt> Human: My mother lives in an expensive neighborhood where homes sell for 1,000,000. She is in her 70s, long divorced from her 4th husband, has very little cash and wants to re-fi to pull cash from the equity in the property. Her current loan is about 250,000. She has no income so does not qualify for a re-fi on her own. She lives on social security benefits but is struggling to do so, selling any possessions of value jewelry, cars, art and asking for money from me and my sibling. Neither me or my sibling feel comfortable co-signing on the re-fi as she is not smart with money when she has it and has shown in the past she will take care of herself first. Long story short, she is just not trustworthy. She says a reverse mortgage is a scam. We have suggested to her that her only option is to sell her property but she doesnt want to move. Is there some option we have not thought of? TYAssistant: Why wouldnt she sell in that neighborhood and apply the money to a more affordable home? Human: Her house is one of the smaller ones in her community. She also has a very low interest rate and taxes. Selling would negate that, if she could even afford another property. Weve suggested she sell and rent in the community but she doesnt want to do that either because then shed lose all the benefits of not having income. Shes wanting it both ways and thats not really the right way to look at it. Ive tried, but I cant persuade her.  <response>: Shes been taking a financial loss al this time and it will continue to get worse. Unfortunately you cant change people. But I couldnt back that family member either. 