Legal Question in Real Estate Law in Pennsylvania

You shouldn't rush into any transaction without understanding all of the effects it would have.

You mention Bank of America - if your current mortgage is already in foreclosure, you would probably have difficulty getting another mortgage of any kind. There is no way to get a mortgage application and approval completed and funded "ASAP."

You should try to get government-approved counseling to help you apply for the various programs to help homeowners in difficulty with their mortgage. Look them up at

HUD Approved Housing Counseling Agencies

http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm?webListAction=search&searchstate;Your changing title just for the purpose of getting the reverse mortgage sounds fraudulent. The penalties for fraud include imprisonment and fines. Also, changing title affects your and your husband's eligibility for government benefits that you may need in the near future.

Please consult with a lawyer who could help you sort this out.

This response is not legal advice, since I do not have all of the information that would be required, and I do not have a representation agreement with you.

* If the answers to your question confirm that you have a valid issue or worthwhile claim, your next step should almost always be to establish a dialog with a lawyer who can provide specific advice to you. Contact a lawyer in your county or township.

* Another reason for contacting a lawyer is that it is often impossible to give a good answer in the Internet Q&A format without having more information. The unique circumstances of your situation and things that you may not have thought to mention in your question may completely change the answer. If you want to be sure that you have a complete answer to your question and an understanding of what that answer means, establish a connection with a lawyer who practices in the area of your concern.