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Old 04-12-2017, 12:07 AM
 
81 posts, read 63,054 times
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My husband died unexpectedly in March 2016, and he was the main wage earner. There was no will, no credit card debt or any other debt except for our home.

I'm afraid if I report to the Register of Wills that the mortgage holder will require me to reapply for a mortgage loan (both my husband's name and my name are on the mortgage). I'm able to make the payments, but since the majority of my income is Social Security now, I don't know if I'd qualify for a new loan or if the payments would increase substantially.

Do I have to notify ROW?

Teresa
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Old 04-13-2017, 12:38 AM
 
Location: Richmond
1,408 posts, read 700,199 times
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Quote:
Originally Posted by jontwin4 View Post
My husband died unexpectedly in March 2016, and he was the main wage earner. There was no will, no credit card debt or any other debt except for our home.

I'm afraid if I report to the Register of Wills that the mortgage holder will require me to reapply for a mortgage loan (both my husband's name and my name are on the mortgage). I'm able to make the payments, but since the majority of my income is Social Security now, I don't know if I'd qualify for a new loan or if the payments would increase substantially.

Do I have to notify ROW?

Teresa
Sorry for your loss, I have been their, lost my first wife some 8 years ago.


Since I don't have a answer, I would contact a local lawyer and run your questions past that lawyer. At least you will know what is required by your state and local laws.
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Old 04-15-2017, 10:30 AM
 
81 posts, read 63,054 times
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Thank you, but I don't have money for a lawyer. I didn't realize the law varies by state -- I will start with that on my research. Very helpful.
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Old 04-15-2017, 12:12 PM
 
3,964 posts, read 5,249,971 times
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Perhaps you could contact your lender to find out if this makes a difference to them. My husband died when I lived in Texas. I had no loan on the house, so I don't know about that, but as far as the title to the house, I did not have to change it to my name only. When I sold the house, I just had to produce a death certificate. But I would emphasize that states do have many different variations on this. You might be able to find a source on line about how this works in your state. I had to go through probate, the biggest reason being that my home owners insurance said they would not pay on any claim if I didn't, because the insurance was in both our names, as that was on the title. They would not change the insurance, no matter what, so I had to go through probate so that if there was a claim, I could show that I was the rightful executor of my husband's estate. That is Texas, however. You may not have to do that to be legal executor. You need to check on your state laws.
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Old 04-15-2017, 09:17 PM
 
7,031 posts, read 3,750,182 times
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Quote:
Originally Posted by jontwin4 View Post
Thank you, but I don't have money for a lawyer. I didn't realize the law varies by state -- I will start with that on my research. Very helpful.
Hi Teresa,

Google the name of your county and/or city and the words pro bono legal services or free legal aid. If nothing turns up, try calling your local courthouse or district attorney's office, explain you are a recent widow with limited funds, and ask if they can point you in the direction of free legal aid. There are attorneys and non profit organizations in most areas that will help answer your questions without charging a fee.

Hugs!
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Old 04-15-2017, 11:34 PM
 
81 posts, read 63,054 times
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Thanks, G Grasshopper and RosieSD. Thanks to everyone, I can move forward on this.
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