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Assume loan to get a modification

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neesie98 Joined: 25 Apr 2011 Posts: 1 1.28 Dollars($)	Posted: Mon Apr 25, 2011 3:36 pm    Post subject: Assume loan to get a modification Like 0 Dislike 0 The mortgage is in my spouse's name but the deed is in both names. My spouse passed away in January and now I am behind in my mortgage payments. Can I get a loan modification in my name even though the mortgage is not in my name. Can I assume the loan without having to refinance?
smithsussane Joined: 18 Sep 2008 Posts: 10439 Location: Alaska 985.83 Dollars($)	Posted: Mon Apr 25, 2011 9:20 pm    Post subject: Like 0 Dislike 0 Hi neesie! Welcome to forums! The lender may not agree to offer you a loan modification as your name is not on the loan. Nevertheless you should contact the lender and take his opinion in this mortgage. Feel free to ask if you've further queries. Sussane

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