@qbteachmt The word you want is jibe, not jive.  The facts you need about reverse mortgages are as follows.  She may have known in early 2022 that the inheritance was coming later in the year, and used her line of credit to get the improvements started sooner.  Or she may have made some of the improvements in 2019 -- none of the facts posted suggest otherwise.

"In 2023, the reverse mortgage line of credit continues to be the most popular option for homeowners to access their funds.  According to an article by AARP, borrowers recognized this choice about 66% of the time when obtaining a reverse mortgage as being the right choice for them.

The credit line option allows borrowers a great deal of freedom when planning their finances.  Homeowners like the fact that they can take as much as they want when the loan originally closes up to the maximum allowed by HUD in the first 12 months and then can take the funds as needed from there."

https://reverse.mortgage/line-of-credit