- Home
- Situations
- Senior living transition
Mom is moving. The house has to sell, and the timing is not up to you.
This is one of the hardest sales anybody makes, and it is almost never about the money. There is a community with a move-in date, a deposit that is due, sixty years of belongings in the house, and siblings who all want to help and all want something different.
The date belongs to the community, so we work backward from it
Assisted living and memory care placements move fast once a bed opens, and the deposit is usually due before the house is anywhere near sold. Tell us the move-in date on the first call. We build the closing around it, and if the community's date slips, ours slips with it.
If the sale needs to fund the placement, say that too. It changes the order we do things in and it is not something to be embarrassed about. It is the single most common reason families call us.
Who can actually sign, and the court step most families do not expect
This is where these sales stall, and it is worth understanding before you are under time pressure.
If your parent still has capacity, they sign and nothing else is needed. If they signed an Illinois power of attorney for property while they still had capacity, the agent signs; title will want to read the document first, because not every POA actually grants authority to convey real estate and finding that out in week three is painful.
If there is no POA and capacity is already gone, the family generally needs a guardianship through the Probate Division at the Daley Center. The part almost nobody is told in advance: a guardian of the estate cannot sell the ward's real estate on their own authority. They have to petition the court for permission first, and that is a hearing on the court's calendar, not a form. So the sequence is appointment, then petition, then order, then closing — and the community's move-in date does not care about any of it.
We can go under contract while that is sorted and close when the authority is in hand, at the same number. What we will not do is push a signature from somebody who should not be signing.
This is not legal advice. An elder law attorney is genuinely worth the money here, and we are glad to give you names with nothing attached.
The tax bill goes up the year she moves out
A detail that catches families a year later, when the house is empty and nobody is expecting a bill.
The Cook County Senior Exemption requires the owner to occupy the property as their principal residence. Once your parent moves into a community, that stops being true, and the exemption is prorated for the portion of the year they actually lived there. Cook County also bills a year in arrears, so the consequence does not show up immediately — it shows up on a bill that lands long after the move, for a house generating no income and no longer carrying the break that made its taxes manageable.
Insurance moves the same direction. Most homeowner policies restrict or drop cover once a property has been vacant for a set period, so the family can be carrying an empty, under-insured house through a Chicago winter while they decide what to do. None of that is a reason to panic. It is a reason not to let the house sit for a year by default.
Sixty years of belongings
Take the photographs, the papers, the jewellery and anything with a story attached. Leave the rest, including the furniture, the garage, the basement and the things nobody in the family wants to be the one to throw away. We handle the cleanout and it costs you nothing.
If there are items you want set aside rather than hauled, point at them and we will keep them separate. Nobody should have to sort a parent's whole house in a week while also moving them.
No showings, and no strangers walking through
A listing means photographs of your parent's home on the internet, lockboxes, and strangers walking through a house somebody still thinks of as theirs. One visit from one person, and then a closing, is a kinder version of this for everybody involved.
We are not agents, and sometimes an agent is the right answer
People searching for help with a parent's house often look for a seniors real estate specialist, which is an agent designation. We are not that. Sold House LLC is not a brokerage and we do not represent anybody — we are the buyer, and we think you should know which one you are talking to.
That matters because sometimes listing genuinely nets more. A well-kept house in a neighbourhood where buyers compete, with sixty to ninety days available and nobody under pressure, usually does better on the open market even after commission. We run that comparison before you decide, and when listing wins we say so and hand you names. Where we are usually the better answer is when the date is fixed, the house needs work, or the family cannot face months of showings.
You can check the closing-cost side of that comparison with the Illinois transfer tax calculator .
Questions we get about this.
If yours is not here, call. We answer these all day.
How do I sell my parent's house to pay for assisted living?
Start with the move-in date and who has authority to sign, because those two things set the whole timeline. If your parent has capacity they sign; if they granted a power of attorney for property, the agent signs; if neither, a guardianship is usually needed first. We can go under contract before that is resolved and close when the authority is in place, so the house is spoken for while the paperwork catches up.
Can I sell if I have power of attorney?
Usually yes. Title will want to review the power of attorney to confirm it actually grants authority to convey real estate, because some documents do not. Send it over on the first call rather than the week of closing.
What if my parent cannot sign and there is no power of attorney?
Then a guardianship through the Probate Division is generally required, and there is a step most families are not warned about: a guardian of the estate cannot sell the ward's real estate on their own authority and has to petition the court for approval first. It is workable and we will wait for it, but start it early because it runs on the court's calendar.
What happens to the senior exemption when my parent moves out?
The Cook County Senior Exemption requires the owner to occupy the property as their principal residence, so it is prorated for the part of the year they lived there and does not continue once they have moved. Because Cook County bills a year in arrears, the larger bill usually arrives well after the move, on a house that is sitting empty.
Are you a seniors real estate specialist?
No. That is an agent designation and we are not agents. Sold House LLC is not a brokerage and does not represent buyers or sellers; when you sell to us, we are the buyer. If listing with an agent would net your family more, we will tell you that and give you names.
Can you close around the community's move-in date?
Yes, and that is usually the point. Tell us the date on the first call and we build the closing around it, whether that means seven business days or ninety. If the community's date moves, ours moves with it and the number does not change.
Other reasons people call us.
Most sellers are dealing with two or three of these at the same time.
Behind on payments
Delinquent property taxesDelinquent property taxes
Inherited propertyInherited a property
Tenant occupiedTenant occupied
Repairs and code violationsRepairs and violations
DivorceDivorce or separation
Relocation and downsizingRelocating or downsizing
Vacant propertySitting empty
Tell us what you are dealing with.
One address and five minutes on the phone is usually enough for us to tell you whether we can help, and what we would do if we were you.
Start your offer.
No fee, no obligation, and an honest answer either way.

