Real Estate Law
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Do we need to worry about the bank coming after her social security and my Dad's (deceased) pension?
No, those types of income are protected from garnishment under federal law so those funds are safe.
Should she move her account to a different bank as her mortgage is with same bank she keeps her savings/checking.
I would, simply because even though the bank can't legally seize the account funds, sometimes they will try and then claim that they are innocent and they had no idea that the funds were exempt. Then the customer has to go through the court to have the seizure released and the account unfrozen which can take days or weeks and can cause financial issues as checks will bounce and the funds wouldn't be available.