My mom and I owned a house together with rights of survivorship. My mom passed away several months ago. Her name was on the mortgage not mine I have been making the payments all along on time and we used to make the payments from our joint checking account. I sent the bank what they asked for death certificate and copy of deed. Do you think they will let me assume the loan or make me refinanace I havent got an answer from them as of yet. it is an arm with a prepayment penalty if its broken before 7/08 . I have good credit but I just t started a new job so no income verification really. do you think I will have a problem?