My mother bought this house from USDA/RHS. She became very ill and told me that she wished there was a way I could keep the house if anything happened to her. Well, she passed away 12/11/2002. I didn't know what to do, so I called the rural housing and told them what she wanted to take place, and what did I need to do to keep the house. They said, "just keep making the payments, as long as someone is making the payments it will be fine." They also let me know that my payments would go up, because of my income, and they did...from $113 to $370. I just made my last payment last month and today I get a letter about loan recapture. If that is for refinancing or selling your home, why would they be sending it to me, when I have no plans to do either.