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She's been living w/me in a rental house for over a year but wants the permanence of owning a house. Wants to be able to paint a room if she wants to (her words!) She wanted me to just pay cash but I did not want to use the majority of the funds that will be for her long term care when I can't take care of her at our home anymore. So I put a good amount down that left me with a mtg payment $500 lower than the rental house. In the rental she paid about half the bills but now I can pay the mtg & upkeep myself leaving her to only chip in for utilities & her 24/7 oxygen. Not sure how my brothers will react. She has age related memory problems but is still what her attorney considers "of sound mind". Because I have better credit than she does, the mortgage is in my name.

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If mom is competent why was POA necessary to buy the house?
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I'm in agreement with those above. YOU know how this looks, and it LOOKS exactly like what it is: a Power of Attorney using mom's money to benefit herself. YOU CAN'T DO THAT.
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You took a sizeable gift from her, and by doing that she will be ineligible for any Medicaid assistance for 5 years. That is pretty risky. You also used your POA to benefit yourself, which is downright illegal in all 50 states. I think you already know what your brothers' reaction will be.
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Luvmum, boy oh boy, you have opened a can of worms. You could be charged with financial exploitation and I would not be surprised if your brothers did just that. Only a doctor can determine competence, an attorney can talk with a client to see if they are competent enough to sign legal document like POA's.

I sure hope you talked this decision over with someone else before doing it!
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