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Mom passed away, mortgage was under her name only. Can my dad continue paying for the loan and leave as is?

My mom and dad purchased a home together in 2006 and the title was joint tenant. They were co-buyers

A few years ago, my mom refinanced the house and was the sole borrower and mortgage statements only show her name

She passed away 2 months ago and my dad has continued making payments for the mortgage with their joint bank account as usual

Does my dad need to report to the lender that my mom has passed away?

Or just leave things as is and keep paying since he’s on the title anyway?

He’s just afraid of having to refinance and get a higher interest rate or worse, getting denied as a sole borrower

submitted by /u/Glass-Spread-379
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source https://www.reddit.com/r/RealEstate/comments/1ojt3ye/mom_passed_away_mortgage_was_under_her_name_only/
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