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I would appreciate any help. thanks
Also, if your mom is a hoarder contact public health and safety in your county and report her home. They can help as well. Her home sounds like a fire hazard and if she is unable to clean it up to code then a judge can have her removed from the home.
As far as her finances are concerned, if she hasn't assisnged a POA by now, she cannot do it now if she is suffering from diminished mental capacity.
The only way you can get a hold of the situation is by filing for guardianship. This is a more radical step, but it seems as though she is a danger to herself and possibly others.
I would highly recommend visiting with a social worker and find out what steps need to be taken. There is a definite order to how these things are done. You may also want to consult an elder attorney to sort out her finances.
I do not think it is wise to wait until something "significant" happens before you take action. I would suggest going with your instincts and doing whatever is necessary to see that your Mom is safe and getting the care that she needs.
Your situation is challenging...good luck.