Q: My husband passed away while our mortgage was on a COVID relief plan and company is giving me a hard time to get off.
My husband passed away while our mortgage was on a COVID relief plan and company is giving me a hard time to get off.
He was the only one listed on the mortgage. We are both on the deed and I have been trying to get off the plan for 3 months to resume regular payments. Now the mortgage company is giving me a hard time and they are saying I have to assume the mortgage and making me go through probate to do it.
A:
For title purposes, there appears to be no need for you to put the property through a probate proceeding, if that is the sole or most significant asset in your husband's estate.
Mortgage interest rates are near historic lows. Your best path appears to be to refinance the mortgage debt with another lender, and get the existing mortgage company out of your life.
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