Can I be paying my Mother's mortgage since she passed?

Veronica - so what is the plan for opening probate to settle and transfer the assets of your late moms estate? Of which 1 asset is the house and its equity. Did mom have a valid will and who is named as the executor? What timeline does your state have set for opening probate? Your right past the 6 mo mark since death, so some decision should be happening as to probate. If you are not a heir, you need to file a claim against the estate for all those mortgage payments and within the required time frame by your state law.

OR did mom die intestate?

It's good that you have paid, as would have gone to foreclosure by now. But if you are not heir, you need to do stuff to be reinburse for all the payments made on anything on the house.

Just a general thought.... I wonder how many elders believe that once they pass and the house is Willed to an heir or whomever, that if the house has a mortgage that the mortgage is written off upon their death?

Or on the other side of the coin, that an heir believes when they inherit a house, that it comes free and clear?

As long as you pay the mortgage the bank will not call the loan due. So just keep paying.

If the house was deeded in your name, but she was carrying the financial burden for the mortgage, then I have two questions?

1. In whose name was any tax benefit taken on the interest part of the mortgage payments taken while your mom was alive?

2. With the mortgage payments set up in agreement with her, can you claim such tax benefits now that she is due without the mortgage as well as the deed having your name on it?

I have an appeal hearing over transfers tomorrow anybody know what I can expect? I'm a wreck and just want all this over --- no matter how I can make it over.

This is interesting as the mobile home that my mom lives in was in her husband's name. He passed in 2011 and she has been paying for the house since. She got an equity check but it was made out in her husband's name, so she can't cash it. I don't understand any of this stuff and not sure what to do, and when she passes, then what?