Legal Question in Banking Law in California

If he gave away more than 1/2 the equity in the property, you may have an elder abuse action against him and his family members. In any case this is a serious situation and not one for amateurs. You need to consult with an attorney who can go over all the facts with you and come up with a course of action. This kind of thing only gets worse, so you should retain counsel right away. You probably need a conservator for your mother, and quite frankly maybe one for the step-father. When elderly people give money away, especially by borrowing out of their homes, it's a big red flag that they are no longer competent to manage their affairs and are being taken advantage of, even if they otherwise seem mentally competent.