I walked away and reported the appraiser to the NJ Consumer Affairs, his licensing agency.

I've been dealing with her affairs, closing accounts, etc. 

But the example given by your seminar speaker isn't illegal because immediate family members sharing in any asset are exempt fro security laws, it's just "a family affair, it's a family affair" wish I could sing it for you, LOL.If your guy was wrong about that, what else is he wrong about ?

They can also be your worst investment unless you know what you are getting into it and then stay involved with the association affairs.

Too bad the Title company and the lender just sold you services but had no legal interest in your legal affairs. 

Having your affairs in order" at any age is prudent.

Call your county's licensing dept and office of consumer affairs.

Alvarado, 5 F.3d 1425: Deed of Trust lien does not become barred by passage of time, i.e. no limitation.Includes Deeds of Trust in favor of: United States of America, Small Business Administration, Secretary of Housing and Urban Development, Secretary of Veterans Affairs, and Farm Service Agency (formerly Farmers Home Administration).

It becomes a whole affair and I'm trying my best to make the right choice.

(See the New Jersey Department of Community Affairs Division of Codes and Standards most recent Lease Information Bulletin)   The tenant has the legal right to decline the amendment.