Co-Signer Passed Away

As long as you are making the payments, the lender will not care that the co-signor has passed away. A few question for you in order to best help you. You say you are not secure enough, was the co-signor helping pay the mortgage. Also, the insurance didnt cover the co-signor, what does that mean? Typically, if you have a co-signor the insurance has to be made in both your names. The bottom line if you can afford to make the payment keep doing so, and when you feel ready or can qualifiy for a new loan on your own then you can do that and get the loan in only your name.

They bank won't find out. If you are looking to refinance and you have equity in the property, we can do a stated income program with just your name

That best answer below is a main reason the economy is in the shape it is. Are you saying you can not afford your mortgage now without the co signor? Do you think you would afford it any better if you did a stated income loan (which always is at a higher rate and higher fees). Is that the best answer for someone who is struggling now? If you can afford the mortgage payment you do not need to do anything but keep making the payment. Essentially the loan is in your name alone as it is.

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