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What happens when the mortgage holder dies and you inherit?
This is really great information and couldn't be more timely.
As many of you know I lost my significant other in 2016.  We had lived together for 12 years.  He owned a home and we paid the mortgage together while he was alive.  My name was not on the mortgage and he died without a will.  I couldn't afford to pay the mortgage on my own and I couldn't afford to refinance the house and mortgage it myself so  moved out.  
A couple months ago I got a letter from the attorney representing the bank, they still have not foreclosed on the property, I could have been living there free except for utility bills and water all this time but that's another story.  I was confused because Maryland is not a Common Law state so I didn't think I was entitled to anything after his death, but apparently, I could have been.  But, in the end there is no equity in the property and it's been vacant for 3 years now.  
Be sure to talk to your family and make sure you have a Will.  
I recently had a call from a past client whose father had died unexpectedly a few weeks ago.  His ... more

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