Thank you for requesting me.
A death in and of itself does not cause a property to go into foreclosure. There is a federal act called the Garn St Germain Depository Act (https://www.law.cornell.edu/uscode/text/12/1701j-3) which was enacted to prevent relatives from losing their home upon the death of the deceased owner.
Basically, the federal law precludes the lender for accelerating the Due on Sale clause, which used to include death as a triggerring event. Now, the law provides that a relative may take over the loan without additional fees or refinancing, precisely to allow relatives to remain in the house.
A property only goes into foreclosure when it becomes delinquent. The personal reprsentative (ie executor if there is a will, trustee if there is a trust; personal representative if there is neither) is to make the payments while probate is pending.
A HUD consultant through the government can be reached here: http://portal.hud.gov/hudportal/HUD?src=/i_want_to/talk_to_a_housing_counselor
Most lenders will work with the interested parties to avoid foreclosures, particulary if the loan has been brought current.
Here is a link to locate an attorney:
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