Thanks for the information.
Common law marriage has not been legal in Michigan since 1957....so if you got together after that year, it would not be recognized. Thus, you couldn't use that to claim ownership
of the property - - that's why I was asking whether there was a will.
In that case, the only real option you would have would be to claim the property under adverse possession
, which requires occupation for at least 15 consecutive years (from the date of his death). Once that time passed, you could claim ownership via adverse possession. However, if he has children that may not be possible if they pursue the matter and try to take possession.
So, if there is no one else trying to take ownership away from you, then you could remain there, continuing paying the mortgage and taxes and eventually have a right to claim ownership.....but it is not fast in any way.
Also, until you claim ownership via adverse possession, you couldn't sell or borrow money on it either - - so the reverse mortgage isn't going to happen until this is resolved either.
Thus, unfortunately, there is no quick fix to the situation. Instead, you're just going to have to wait things out if you were not married, if your name was not on the title
and if there is no will.