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I have no knowledge about mortgages and I need help

I am a single mom and first time homeowner. My mom passed and left her modular home and 1.5 acre land to me. Loan is still under her name but deed has my name on it. My scores are under 600 I owe close to $60k on the home with affordable monthly payments I paid three months upfront when I took over the home and moved in. I am now behind a few months. I have questions and I don't know who to ask. I am new to all of this and some in my family didn't want me to take over the home to avoid the hassle. I don't know where the mortgage papers are and insurance information. Need help. Thanks by carter896 from Addington, Oklahoma. Mar 21st 2023 Reply


Joe Metzler (JoeMetzler)
#17 ranked lender in Minnesota - 4,848 contributions

Sorry for your loss. generally in this situation, the mortgage company doesn't get to excited that the person on the loan has passed away - UNTIL you start missing payment. This will quickly balloon into a big problem for you now that payments are late. Your best bet is to quickly get caught up, improve your credit, and get a new loan in your own name. Good luck. I lend in MN, WI, IA, ND, SD. Cambria Mortgage, NMLS 274132. Visit me at JoeMetzler.com

Mar 21st 2023
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