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I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
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V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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If your parents had in their will that you will receive the house, I believe you can continue paying the mortgage until you are ready to sell said property. You should consult an attorney as to how the mortgage loan is written, some old loans could still have a due upon death clause.
Just to make sure I understand, and to clarify a few assumptions...
You and your parents probably held title jointly, with rights to the survivor of them (yourself). They're deceased; you're now making payments on the mortgage on which they're identified as borrowers.
If so, you should read the mortgage to determine, as FF suggests, if there's a due on death clause. There might also be a clause which requires notification to the mortgagee (lender) of the death of either or both of the mortgagors (borrowers).
Also check to determine if the mortgage can be accelerated (called and required to be fully due and payable) upon the death of the mortgagors.
And check what constitutes events of default if the lender isn't notified of the death of the borrowers.
What is your intent for the house? Do you plan to keep the mortgage current and remain in the house, or sell it? If the former, you do have the option of contacting the lender and advising of the situation, but it's likely you will be asked to assume the mortgage, so you should consider whether you want to do that if you plan to stay there.
Barkey - GardenArtist has pretty well nailed it for your answers.
I'd like to add that you need to get all the paperwork on the house. Look about for the last couple of years tax assessor statements. They go out in Oct or Nov for Jan payments. Look to see the name(s) and the assessed value. You have to pay these taxes too as tax assessor are unforgiving on taxes due even if there is a death. Also most counties have on-line records for all real property for a very nominal fee (like $ 4.00 for a Deed of Trust). You want to take the parcel # that is on the tax assessor bill to find all the documents attached to the house and pay the fees to get all these. (the parcel # is the key for real estate for most areas rather than the street address) You really need to have these to read & understand what the situation is on the property. There could be other old liens or earlier mortgages out there that will have to be cleared or lifted before the house can be transfer to your name (assuming that the current mortgage issue is resolved). Good luck.
A mortgage is due in full upon the death of the borrower. They have every right to foreclose, but banks already own more houses than they can handle. Be honest with them and agree to take over the mortgage. You will need proof that you inherited the house. That means a Will naming you as the heir and Executor of the Estate. If you don't have that, you need a lawyer ASAP.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
You and your parents probably held title jointly, with rights to the survivor of them (yourself). They're deceased; you're now making payments on the mortgage on which they're identified as borrowers.
If so, you should read the mortgage to determine, as FF suggests, if there's a due on death clause. There might also be a clause which requires notification to the mortgagee (lender) of the death of either or both of the mortgagors (borrowers).
Also check to determine if the mortgage can be accelerated (called and required to be fully due and payable) upon the death of the mortgagors.
And check what constitutes events of default if the lender isn't notified of the death of the borrowers.
What is your intent for the house? Do you plan to keep the mortgage current and remain in the house, or sell it? If the former, you do have the option of contacting the lender and advising of the situation, but it's likely you will be asked to assume the mortgage, so you should consider whether you want to do that if you plan to stay there.
I'd like to add that you need to get all the paperwork on the house. Look about for the last couple of years tax assessor statements. They go out in Oct or Nov for Jan payments. Look to see the name(s) and the assessed value. You have to pay these taxes too as tax assessor are unforgiving on taxes due even if there is a death. Also most counties have on-line records for all real property for a very nominal fee (like $ 4.00 for a Deed of Trust). You want to take the parcel # that is on the tax assessor bill to find all the documents attached to the house and pay the fees to get all these. (the parcel # is the key for real estate for most areas rather than the street address) You really need to have these to read & understand what the situation is on the property. There could be other old liens or earlier mortgages out there that will have to be cleared or lifted before the house can be transfer to your name (assuming that the current mortgage issue is resolved). Good luck.