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It depends on the type of incapacitated. If he is capable of paying a mortgage, he is probably not in need of a guardian.

If he is mentally incapacitated to the point that he needs a guardian, he is probably not going to be able to consent to a marriage, and therefore cannot have a fiancee.

But no, the fact that he owes a mortgage to the bank does not present a conflict issue for his fiancee to be a guardian.

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Q: Should your dad's live-in fiancee become his guardian now that he's incapacitated or is it a conflict of interest since he holds the mortgage?
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