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death in the family

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bellablooms Joined: 21 Dec 2009 Posts: 4 1.68 Dollars($)	Posted: Mon Dec 21, 2009 9:39 am    Post subject: death in the family Like 0 Dislike 0 My grandmother died in September. She is on the mortgage. My husband and i are on the deed with her as tenants with right of survivorship. My aunts and uncles who are in charge of her estate are wanting me to get a new mortgage. With my credit score that is not possible. What are my options here in North Carolina?
gmakerley Community Mentor Joined: 09 Nov 2007 Posts: 12376 Location: bloomfield, ct 58.49 Dollars($)	Posted: Mon Dec 21, 2009 9:48 am    Post subject: Like 0 Dislike 0 i'm of the opinion that you are lacking options at the moment. convey this to your aunt and uncle, and then go to work to attack that credit monster. i'm hopeful that you'll be able to do so in a reasonable time frame. you don't want family matters to be done in by your credit record, of course. i am also hopeful that you will be able to do this without a great deal of strain. _________________ George M. Akerley Mortgage Underwriter/Consultant Word of Excellence- Writing/Editing/Proofreading 860-221-5044
bellablooms Joined: 21 Dec 2009 Posts: 4 1.68 Dollars($)	Posted: Mon Dec 21, 2009 9:59 am    Post subject: death in the family Like 0 Dislike 0 So there is no way that the mortgage would be transferable to me since i am on the deed as right of survivorship.
bellablooms Joined: 21 Dec 2009 Posts: 4 1.68 Dollars($)	Posted: Mon Dec 21, 2009 10:11 am    Post subject: death in the family Like 0 Dislike 0 Since they are in control of her estate, can they make me sale this. She did this for me when she was alive, and now they are wanting me to sale.
gmakerley Community Mentor Joined: 09 Nov 2007 Posts: 12376 Location: bloomfield, ct 58.49 Dollars($)	Posted: Mon Dec 21, 2009 10:19 am    Post subject: Like 0 Dislike 0 i didn't say all that bella, but your option of refinancing is now looking too sterling at the moment, based on what you noted about your credit report. can they make you sell? i don't believe so...though they can make your life a little less easy if that's what they'd like for you to do. if you don't have one now, i suggest you find a lawyer who can help you navigate through this choppy sea. _________________ George M. Akerley Mortgage Underwriter/Consultant Word of Excellence- Writing/Editing/Proofreading 860-221-5044
bellablooms Joined: 21 Dec 2009 Posts: 4 1.68 Dollars($)	Posted: Mon Dec 21, 2009 10:24 am    Post subject: thank you! Like 0 Dislike 0 Thank you for your help!! Have a good Holiday!
gmakerley Community Mentor Joined: 09 Nov 2007 Posts: 12376 Location: bloomfield, ct 58.49 Dollars($)	Posted: Mon Dec 21, 2009 10:32 am    Post subject: Like 0 Dislike 0 that should have read "NOT looking too sterling" but you likely figured that out. i trust you'll have a very enjoyable Christmas & a prosperous 2010 as well. thank you. _________________ George M. Akerley Mortgage Underwriter/Consultant Word of Excellence- Writing/Editing/Proofreading 860-221-5044

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