This column first appeared in the San Antonio Express News on February 5, 2018. Dear Mr. Premack: My husband and I are considering a reverse mortgage and have done some preliminary checking about the loan terms. Title to this house is in my name only, as I inherited it from my parents, but it is our homestead. The banker said that I would be the only borrower on the loan because my husband does not own the house. I am confused because I thought that there could not be lien ag

This column first appeared in the San Antonio Express-News on January 12, 2018. Scams against the elderly are all too common. You should report this scam to the local police department, and can make a report to the National Consumers League at www.fraud.org (where you can also learn tips for prevention). You should also immediately call her bank to report the fraud. They may be able to stop the check before it is cashed. Calling them will also alert the bank’s fraud office to

This column first appeared in the San Antonio Express News on February 10, 2016. Dear Mr. Premack: A couple of years ago my friend put me on his bank account as joint owner in case he died. My friend was divorced and was estranged from his adult kids. He sold his house on an owner finance note. The buyer pays the monthly mortgage into our joint bank account every month. Now my friend has died, without a will – just him telling me what he wanted done with money in the account.