I’m sorry about your mother. The mortgage will still need to be paid I’m sorry to say…unless your mom had life insurance. And I hope she does.

Mortgage protection insurance that is super inexpensive–and it basically pays off the mortgage when the primary earner dies. If someone buys a home worth 100K–one needs a 100K policy. Just match the mortgage to the term policy and you’re set. A family will never have to worry about mortgage payments etc.

In most families, when the primary earner dies the family will lose the home because they simply can’t afford it. A simple term life policy to pay off the mortgage–or mortgage protection insurance is critically important.

It sounds like your sister needs to sell the house ASAP, or get herself a job to pay the mortgage, otherwise it be foreclosed.

If a death stopped the mortgage payments, no mortgage company would ever loan anyone a nickel. We are all going to die. Your mom’s “estate” owes the money.
If someone doesn’t pay the mortgage payments, the bank will take the house. The sheriff will come out and change the locks.
Usually there is money in the house. Almost always worth keeping.

Mortgage payments are still due. The lender should be advised of the death of one of the borrowers. In addition, your sister should make an attempt to have the payments temporarily adjusted.