My son's house is in foreclosure, am I able to add myself to the mortgage to help??

You can call the bank with him and ask them if you bring the mortgage current will they stop the foreclosure process. You can also do a loan yourself if you can get approved and pay off the loan yourself he won't be able to go on the loan with you if he has not been making payments I am sure his credit would be to low and also the late payments on his mortgage.

The bank does not care where the money comes from, so long as they get paid.. if you have the funds to help bring his mortgage current, they will accept it, in fact, so long as you pay before the foreclosure, they have to accept the funds regardless of where they came from.. You can also be added to the title, so long as your son is not removed from title... .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

I agree with Mike. Speak with the lender first to be sure they will stop the F/C process if the loan is brought current. Most likely he will need to initiate the call since he is the one on the loan. The lender can't speak with anyone else but their client but you can be on the call with him. Be sure to get their terms in writing via email at least. They can say anything on the phone and they won't necessarily be held to it legally.

Great previous suggestions, I'll encourage you to consider being added to the title if you help bring the mortgage current. You could even get your son to have the mortgage statements sent to you so you can make sure it is paid every month.

Phil has it right. If you assist with the payments, have the statements sent to you. He may have problems in the future, and you can avoid the extra cost of foreclosure, by acting early to the situation.

As William stated the bank doesn't care where the funds come from as long as it brings the loan current. Will that bring the mortgage out of foreclosure? It depends on the state and the mortgage company. The two of you should call your sons mortgage company just to make sure it will in fact take it out of foreclosure and get it in writing.