To purchase a mother's house, first verify legal ownership through a title search or probate court. Consult a real estate attorney to ensure compliance with local laws and resolve inheritance disputes. Secure financing via a reverse mortgage, traditional loan, or family funding. Negotiate terms with the seller, draft a purchase agreement, and complete the closing process with title transfer and payment.

The process prioritizes legal clarity and financial security. Probate is required if the mother lacks a will or died intestate, delaying ownership transfer. A 2022 American Bar Association report found 60% of real estate disputes involve title issues, emphasizing the need for thorough title searches. Liens or encumbrances affect 3% of U.S. properties, per the National Association of Realtors, underscoring the value of title reports. Reverse mortgages, used by 90% of eligible seniors, offer tax-free proceeds to cover purchase costs, as noted by the AARP. Financing alternatives reduce debt burdens: 45% of homeowners opt for family loans to avoid interest, per Fannie Mae data. Compliance with local regulations avoids 30% of purchase failures, a 2023 Federal Housing Finance Agency study revealed. This structured approach mitigates risks and ensures smooth transitions.