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I am sorry to hear about your loss.
Someone in your situation has virtually no liability, as one's name is ***** ***** the mortgage. Ergo, one is not responsible for the mortgage, even if related to the deceased and/or if one was to inherit the property via probate.
The mother on the other case - I am guessing that she is
on the mortgage. If so, and if she walks away, then the mortgage company will eventually foreclose on the property for non-payment and then may
pursue her for deficiency, which is the difference between what was owed and what they received at the foreclosure
sale. See here
. However, the mortgage company cannot pursue a deficiency if (i) they foreclose by advertisement (instead of by judicial action); and (ii) the owner’s redemption
period is six months or less.
Even if they do close by judicial action, they may still choose not to pursue a deficiency as deeming it not worth their while.
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