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In case you need all the money at a one go, the best option would be cash out refinance or a home equity loan. An alternative option would be for one of the children to act as a guarantor on the parent's mortgage, or to take out a joint mortgage. In general, if prevailing interest rates fall significantly below the interest rates on fixed rate mortgage loans, such mortgage loans are likely to be subject to higher prepayment rates than if prevailing rates remain at or above the interest rates on such mortgage loans. Create a chart to compare your loan options. The limit is $10,000 for a disabled child. The type of insurances required for your loan.
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