Deeds and Ownership
Money Management

When mortgage holders die what are mine and the mortgage company rights?


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2008-04-28 15:45:48
2008-04-28 15:45:48

If a mortgage holder (mortgagee) dies the rights under the mortgage pass to her heirs. If a mortgagor (borrower) dies the mortgage company has a lien on real estate that still must be paid.


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From beginning to end mine took two weeks. But I'm sure it varies widely depending on the needs of the individual and the mortgage company

It shouldn't affect a mortgage. The mortgage will be based on the credit worthiness, the down payment, the ability to repay the loan of the people who apply for the mortgage.

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You really ought to see an attorney because there are several things that don't quite make sense and states vary on borrower and lender rights (you don't even identify where you are). PS if there is a 2nd mortgage then that is already a lien on the property and there would seem to be no need for that lender to put yet another lien on it; all it may need to do is foreclose and that could jeopardize your first mortgage too!

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Usually they should be above the cup-holders, unless your is like mine and doesn't have one lol

Houshold Mortgage Corporation business became or transferred to First national Home Finance Limited. At least, mine did! Contact numbers are on their website.

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You need to probate your mother's estate in order to pass title to the real estate to her children. The bank should be notified of her death and should also be willing to allow you to assume the mortgage payments. If the terms of the mortgage are reasonable then try to negotiate an assumption of the existing mortgage rather than a refinance. You should seek the advice of an attorney.

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There's not really a "list" but many mortgage banks such as mine. You can contact me at kfreels at nwfmortgage dot com

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you mean the type that sort of screw in half a turn? I noticed my autometer gauges came with the same thing for their bulb holders which means you can still obtain them. I believe ther were the same size. ( I broke the tab off of one of mine for the parking brake light on my 71 dart

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